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    • I'm removing two posts here – one because it refers to "… All from the same ethnic background" and the second one referring to the fact that the customer was Spanish. The first, particularly by king12345 has a strong racist tone about it and is completely unwelcome here.  king1 2345 has been here long enough and knows very well that this is not what we do. ==============================================================================   In terms of the building and insurance problem, it certainly sounds if you are being treated very badly and we would be very happy to help. Unfortunately I find your story is rather unclear – probably because there is a lot of narrative and I'd be grateful if you could clarify your story and in particular breaking down the insurance job and the rest including giving their values. Do you know if the insurance money has been paid to the customer or is the insurance company simply waiting for some kind of approval. You say that the insurance company has signed the job off and so this suggests to me that they are satisfied but what worries me is that they may already have paid the money to the customer who is merely withholding it from you rather than authorising the direct payment of the insurance money to you. Your story needs substantial clarification please. Finally, does your customer own the property? If you are not sure then you should consult the land registry website to ascertain the owner of the property
    • update:  Tried with new micro filter and still no difference in the speeds.  Called plusnet and they sent this 🤪 although looks like there was interference in the line which i never picked up   
    • Hi dx100uk   He is the information you asked for.   OC: Capital One    Type of debt: Credit Card    When taken out: 29/10/2017   Current owner: Capital One    Defaulted date: Hasn’t Defaulted    Outstanding sum: £156.52   ———————————————————————   OC: Vanquis   Type of debt: Credit Card    When taken out: 21/05/2018   Current owner: Vanquis   Defaulted date: 31/05/2019   Outstanding sum: £355.00   ———————————————————————   OC: Ocean    Type of debt: Credit Card    When taken out: 09/09/2018   Current owner: Ocean   Defaulted date: 07/06/2019   Outstanding sum: £318.00   ———————————————————————   OC: Instant Cash Loans T/A Payday Express   Type of debt: Payday Loan   When taken out: 22/01/2014   Current owner: Instant Cash Loans T/A Payday Express   Defaulted date: 04/06/2014   Outstanding sum: £492.00   ———————————————————————   OC: NatWest   Type of debt: Current Account    When taken out: 05/08/2003   Current owner: NatWest   Defaulted date: 30/04/2016   Outstanding sum: £468.00   ———————————————————————   OC: British Gas   Type of debt: Utility Gas Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £712.00   ———————————————————————   OC: British Gas   Type of debt: Utility Electric Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £819.00
    • Thanks DX re counterclaim. Just to clarify regarding witness should I just put one on the N180 and at court just take a witness statement from partner?  
    • I am hoping someone can advise me regarding my salary. I work as an emergency response driver for a private medical transport company. I work 6 x 24 hour shifts on call(total of 144 hrs) followed by 2 rest days(48 hrs). I work from my home address, with a company vehicle parked outside. During my six on call shifts, I must be available to respond to any task given to me (by phone-call) within a certain time. As you can imagine, while on call I am very limited to what activities I can take part in. Due to the nature of my role and the need to respond within 30 minutes to 90 minutes I am somewhat tied to my home. Obviously I cannot consume alcohol, go for family meals, go shopping etc. Even while attending hospital appointments, popping to the shop I must wear my uniform, take the vehicle with me and be contactable and ready to respond. It has been brought to my attention that on call time is now classed as working time if you must be at the disposal of your employer during that on call time.   Is that correct and if so, should I be paid at least the minimum wage while on call. I am currently paid an annual salary of £22,000 for being on duty an average of 6,570 hours per year which would put my hourly rate at well below the minimum( not including annual leave).   Any advice would be greatly appreciated. Thank you.
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saddad29

CCj entered -lowell and Brian carter

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I have had a letter from Brian carter Solicitors saying that a ccj has been entered against me on the 17 December 2015.

 

 

I did get the court papers but stupidly ignored them after reading different things on the internet about not admitting anything.

 

 

The bill is for £501.64 and he is asking for £50 a month which I can't pay.

The letter says they will consider further enforcement action if the payment is not made.

I don't know what to do.

 

I have also received another letter from Lowell which says pre legal assessment

threatening another bill being sent to their solicitors (probably Brian carter again) .

The bill is for £836.77 and the letter talks about ccjs and possible bailiffs.

 

I have absolutely no idea where I stand as far as bailiffs are concerned. I don't own my home.

Do I have to let them in? I've seen programmes on bailiffs and the thought terrifies me.

 

I realise this is my own doing but trying to pay rent and council tax as well as feeding 2 kids has been my main priority.

 

I had these debts as well as some others with stepchange but the payments got too much and I had to cancel the agreement.

Stepchange said one of the options was bankruptcy but I panicked and just left things.

But because they have been paid a little bit, this is surely classed as acknowledgement of the debt?

 

Any advice would be greatly appreciated. I'm frightened of answering the front door.

 

Thanks, Tracey

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who are the creditors in each case? and what were the debts for eg credit card/ loan etc

 

what did the court order as regards repayments, or was it a forthwith judgement?

 

what was the date of the actual judgement?


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forget bailiffs.

wont happen.

 

 

make a new thread for the threat-o-gram

 

 

tell us about the CCJ please.

 

 

dx


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I have had a letter from Brian carter Solicitors saying that a ccj has been entered against me on the 17 December 2015.

 

 

I did get the court papers but stupidly ignored them after reading different things on the internet about not admitting anything.

 

 

The bill is for £501.64 and he is asking for £50 a month which I can't pay.

The letter says they will consider further enforcement action if the payment is not made.

I don't know what to do.

 

I have also received another letter from Lowell which says pre legal assessment

threatening another bill being sent to their solicitors (probably Brian carter again) .

The bill is for £836.77 and the letter talks about ccjs and possible bailiffs.

 

I have absolutely no idea where I stand as far as bailiffs are concerned. I don't own my home.

Do I have to let them in? I've seen programmes on bailiffs and the thought terrifies me.

 

I realise this is my own doing but trying to pay rent and council tax as well as feeding 2 kids has been my main priority.

 

I had these debts as well as some others with stepchange but the payments got too much and I had to cancel the agreement.

Stepchange said one of the options was bankruptcy but I panicked and just left things.

But because they have been paid a little bit, this is surely classed as acknowledgement of the debt?

 

Any advice would be greatly appreciated. I'm frightened of answering the front door.

 

Thanks, Tracey

 

If you are on benefits or low income, you may not have to pay a court fee to make a variation order application, where repayments can be set based on your ability to pay. If you speak to National Debtline about your situation, they can advise you on whether your income situation means you would not need to pay a court fee to apply for such an order and they also can tell you what court forms to complete.

 

Given that you have other debts, it sounds like you need advice about them as well. It is whether you want to provide more info online or whethe you get confidential help from National Debtline or Stepchange,

 

Bryan Carter /Lowell obtain large numbers of CCJ's and they don't always appear to chase for payment too much. But it is better if you sorted out affordable payments, with application to the court if necessary,


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Thank you for replying. I will post another thread about the threatened one which thew original debtor was Creation Finance for a sofa from DFS.

 

The actual CCJ is for original debtor Orange which was argued at the time because the contract was ended but they carried on charging and then put charges on etc. It went to fredrickson and Lowell, then Brian Carter. The judgement is dated 18th December 2015 and the court ordered £50 per month from the 17 January 2016.

 

Tracey

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you can apply vary the court order by using form N245,to what you show you can afford, if the creditor agrees then there will not be a further hearing

 

as UB says if on low income you may not need to pay a fee

 

https://www.nationaldebtline.org/EW/factsheets/Pages/08%20EW%20County%20court%20-%20suspending%20a%20bailiff's%20warrant%20or%20reducing%20instalments%20on%20a%20county-court%20judgment/Default.aspx


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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shame you didn't defend the orange CCJ

 

 

as there was a dispute you could well have gotten it nulled if you'd come here earlier.

 

 

I take it you got the claimforms etc but simply did nothing with them?

 

 

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

spreadsheets 

 

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