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    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have they actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
    • Am in the middle of selling my house but it's been held up as still showing a change on the property from welcome finance, have not had any contact from them for years or prime credit and need this sorting asap
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n245 variation order dismissed by judge


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My wife and I lost a county court claim as joint defendants and have been ordered to pay £2800 forthwith. We don't have it and a debt charity has gone through our figures and said run, sorry, offer £1 a month token payment because you are living on credit cards.

 

We are trying to fill in an N245 application for variation but I am a little stuck.

 

We have one source of income, my Wife's self employment, which we both work within and share the childcare responsibilities, so effectively I have no income of my own save for the child tax credits that are awarded to both of us (I do not claim unemployment). Our income goes into a joint account and all living expenses and payments come from the same account.

 

There is only one claim number so do we fill in one N245 in both our names or two with the same income/outgoings or two with my figures as zero? Do we have to pay one or two fees?

 

I've looked at ex160a to see if we qualify for fee remission. We meet the gross income part but I'm not sure if our endowment policy counts as disposable capital for what it's worth.

 

Any help would be lovely, thanks

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Hi and welcome to CAG

 

One claim number ...one N245 ...joint income and out goings.

 

Regards

 

Andy

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  • 3 weeks later...

Had a civil case and lost with the judge ordering me to pay loads within 14 days.

 

Sent in N245 variation request complete with tax returns showing my losses, bank statements showing my constant overdrafts and the stepchange printout detailing all my credit card debts.

 

Judge decided that the application for instalments be dismissed on the basis that the judgement sum cannot be paid within a reasonable time. (I did tell the creditor I had no money but he didn't believe me)

 

I really have nothing I can sell and no-one I can borrow from (who'd lend me anything) so now I am worried that bailiffs will be knocking on the door scaring the kids and adding even more on top of a debt that I can't pay.

 

I've tried to get some legal advice for free but no-one can offer any advice.

 

Help...please....

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I'd sit tight and see what your creditor does next. I'm not a legal expert but its doubtful that another judge would overturn this decision. You can't pay what you haven't got, do you own your own home? Technically sounds like you are bankrupt, might be a good thing to read up on the pros and cons of BR but your home is at risk if you own it.

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Your creditor would need to go back to court to request enforcement of the judgement before bailiffs are anywhere near your home so I wouldn't get in too much of a sweat about that right now. Time to read CAG and bone up on just what you can legitimately do to keep the Bailiffs from entering your house - ie keep the car locked in the garage along with expensive garden stuff. Make sure all windows are securely locked, of course it is illegal to spirit away all that expensive procelain and those old masters etc :wink: again the next move is your creditors unless you file for BR yourself.

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bankruptcy would be handy given the amount of debt I am carrying. Especially if someone else is paying! I'm sure I overheard the wife telling someone we had a Chagall or perhaps I misheard and it was shag-all.

 

Thanks for the info. The car is not worth much (to anyone but me) but I can happily store it for a while in a friend's lock-up. Ah the sweet smell of summer on the bus...

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Was the initial judgment a forthwith deeplydebt ?

 

Regards

 

Andy

We could do with some help from you.

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Well the creditor is entitled to reject the variation offer but the court has the power to insist.......since the changes to execution and the right to apply a charging order as security the court do not seem to enforce variations.

 

So your options......

 

Approach the creditor and try to thrash a monthly payment out...keep a paper trail as all attempts and rejections may be useful in the future.

 

Or do nothing and wait until the claimant tries to execute...which he has various options :-

 

Charging order restriction

Attachment of earnings

Third party debt order

Bailiffs subject to the amount

 

Or in the extreme cases Bankruptcy .

 

They have 6 years in which to execute the judgment.....if you can steer them to a Charging Order/Restriction that would be your best outcome.

 

Regards

 

Andy

We could do with some help from you.

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It doesn't appear to be the creditor who rejected the variation but just the court made its mind up.

 

We have no equity in our property so a charging order may be pointless.

We are self employed (and made a loss last year) so attachment of earnings will not work.

Third party debt order - not owed any money ourselves

We have lots of unsecured debt so bankruptcy might do us a favour.

Bailiffs were my worry but we'll just refuse entry.

 

So, the six years. Is this six years to start execution or if they start execution does it expire after 6 years?

 

We told them all along that we had no money or assets but they think we have a golden fleece!

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All application for variations are forwarded to the Claimant for consideration

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Approach the claimant to try to thrash out a payment plan...a realistic one.....retain all correspondence as it may help if they try to execute and you can prove that they would not accept affordable payment.

We could do with some help from you.

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Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Sadly, I have nothing. When I submitted the N245 I included everything including the stepchange printout that said I should offer £1 a month not just to that creditor but to all my creditors. If it wasn't for tax credits we would have been homeless ages ago.

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Well if you are a property owner...perhaps a charging order/restriction may be best suited for both parties.

I assume this debt is considerable?

We could do with some help from you.

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Nothing to do with equity...a charging order is merely a means of securing the judgment debt should you sell your home in the future.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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