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Hello friends,

 

First post so please excuse my very minor knowledge in the matter I need help/advice with.

 

Lat week a bailiff from Crewe county court knocked on my door stating he had a warrant from the court regarding a ccj issued on behalf of United utilities water plc,

I said I had no knowledge of the issue and he left,

 

 

he left a mesage on my answer machine the following day asking me to call him.

After reading information from various sites I decided not to call (unsure how I should have proceeded or what I would say)

 

I came home last night and a letter had been hand posted through my door that is essentially a photocopied template with details filled in by hand.

 

It contains yesterdays date (hand written)

a claim number (hand written)

a warrant number (hand written)

the claimant (hand written)

the amount of £1,192.08 (hand written) and

a stamp that says the bailiffs name, bailiff, Crewe county court

and below that a telephone number

and a second stamp saying 'URGENT'

 

The writing states that the warrant has been issued for the payment......

....or removal of your goods to the saleroom unless within 24 hours the above amount is paid into the court office, you will leave me no alternative but to carry out the warrant by re-attending your premises with the auctioneers van and porters to remove your goods to the saleroom to satisy the warrant. You will have to pay additional removal fees and auctioneers costs.

 

The bailiff has never been into the property to levy goods, can he simply turn up to collect goods, especially if I am not there?

 

I feel i must say that this situation is not come about because I simply refuse to pay,

it is the net effect of family seperation, and 2 redundancies within the same year that have compounded financial issues.

 

 

I am a single father of two kids that live with me,

I work full time but earnings only cover basic living costs....there is certainaly no lifestyle to talk of.

I have a number of other debt issues but this is an immediate problem I am worried about.

 

My car is an old banger and probably has a value of £200 tops

but it is essential that i keep it for work commuting and hospital appointments (my youngest has a heart condition and requires regular visits to liverpool chest and heart hospital and alder hey)

 

Could someone please tell me how to proceed,

 

 

I have almost no assets, live in rented accomadation, and wages dont cover the cost of living

...i have nothing left to pay off debts and they are compounding badly.

 

Last year I let a bailiff in and he levied goods against a council tax bill which I am paying £112.50 a month for to stop him taking items away which means I cannot afford to pay the current tax..

...as an example of the situation getting worse.

 

I hope this makes sense.

 

Thank you for reading.

 

Mark

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prior to this

what other documents have you had

like claimfoems, CCJ's etc etc.

 

 

is this for your current address?

 

 

and how old is the 'debt'

 

 

dx


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Hello dx,

 

ok......

I received a notice of enforcement action from united on the 30th of 09 2014 beause i couldnt keep up with the agreement made.

outstanding balance subject to action £1139.83 instalment amount overdue £142.47

 

another notice of enforcement on the 17th of december 2014. outstanding balance subject to action £1119.83 instalment amount overdue £60.00

 

notice of warrant on 27th of Feb 2015 claim number xxxxxxxx outstanding balance subject to action £1119.83

 

then the final notice yesterday.

 

I am going through lots of letters to see if there is any other paperwork as i type this, please excuse my amateur response.....

 

The problem started in 2013 after the seperation and redundancies but i dont have an exact date sorry.

 

Yes its for my current address.

 

thank you

 

mark

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Thank you ploddertom,

 

I will look into that

 

Mark

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can you go pop up on your credit file please

 

 

and see if there is a CCJ listed there for them.

 

 

noddle is free

 

 

see below

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Hello dx,

 

sorry for the delay.

 

The answer is yes!

 

I have a ccj dated 11-08-2014

 

The case number matches and the amount is £1139.00

 

How do you suggest i proceed?

 

Mark

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and did you get the required claimform served to your address about june/july 2014

and the resultant CCJ after the 11th aug?

 

 

there could be scope for querying this

but you'd still need a defence to the owed sum

 

 

dunno p'haps a variation order or whatever it is

to set up a sensible payment plan

 

 

p'haps PT could advise?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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hello dx,

 

I have found the claim form dated 14-07-2014

and also the ccj judgement dated the 11-08-2014 stating payments of £142.47

I have a letter dated 31-10-2014 from united utilities regarding a plan i set up with them for £40 first payment due on 10-11-14

Unfortunately these lapsed through lack of funds.

At this point is it to late to contact united utilities?

 

Mark

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If you were to do a I&E what sort of figure would you have left as disposable income?


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Ive worked it out before.........If I was to pay every bill including the debt which has goods levied against it for £112.50 to bristow and sutor - council tax, I am approximately £50 in the black, if I paid every debt I am between £450 and £460 short every month.

 

I appreciate people are in worse situations but I just cant break the back of it........I need a re-set!

 

Mark

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What are you paying B&S for?

 

 

How many different accounts?

 

 

How long have you been paying them for?

 

 

What goods have they levied on - as described on any notice you have?


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Just in case you wonder what has happened I have started a new thread for your B&S issues @ http://www.consumeractiongroup.co.uk/forum/showthread.php?445413-Bristow-amp-Sutor-amp-Council-Tax


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