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    • I started paying her old council tax as they said they would jail her I managed to get those account details. We then got back together she moved in with me stopped me going to my house. Eventually let me back in I was there 4 days then the police showed up at 1am arrested me for 8 different offences. On the morning I was in custody she rang the letting agent and asked for the house to be changed to her sole name as I was in jail. The house was changed to her name I was made homeless. The bills she did not change to her name left them as occupier the utility companies then said I had to pay as there was lots more usage than an empty property. My solicitor said if I don't pay them I will be reported for it. It has since turned out that in her old property she didn't pay the bills. The electric bill she put in her daughter's name then cancelled the direct debit the council tax she never attempted to pay. Due to one of the accusations I have since been told I need to pay these bills even after getting emails saying I'm not liable for the bills. I have forwarded these on to the police and solicitors and had no reply. Other than you have to pay these bills. I'm also going to end up paying the bills where she lives now as once again they are not being paid. I can't go in to detail about the case as I'm due to be charged next week not sure what with yet but the police have told me I'm going to be charged.  My ex will not tell me nor can tell me about her debts as she doesn't want me to know how much debt she is in or has put her daughter in once she turned 18. I do not want to be paying her debts after what she has done to me.
    • In the earlier thread (now linked above) you were going to change your name by Deed Poll. Did you do that? Did it solve any of your problems? What, exactly, have you been charged with? Has a court date been scheduled? I cannot think of any reason why the police would tell you to pay your Ex's debts that she incurred 5 years before you met her. Either there's lots of the story you aren't telling us, or you have misunderstood what you have been told, or you are trolling us. Earlier you said it was your Ex who wanted you to pay her debts and, for some reason that  no-one here could understand, you were going to do so. So your Ex can give you all the details of her debts and you can pay them. She can hardly expect you to pay them if she won't give you the account details! I've never known debt collectors be fussy about who pays as long as someone does. They routinely take payments from friends and family to clear debts. It's not illegal to pay someone else's debts          
    • What you've said isn't helping. Please post up a redacted version of the appropriate section of the court papers.  HB
    • Oh, yeah. The law I’m charged with is riding underground without a valid ticket said by SJPN Student Union can’t provide any help, I have contacted them
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Arrows CCJ on MBNA card debt - help to vary/setaside?


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Hi, I am writing this on behalf of a friend and wondered if anyone could offer any advice.

 

 

I myself was in a debt spiral a few years ago, but slowly and surely I have come out the other side.

 

 

However, despite amassing lots of information I am unable to advise him on this situation.

 

 

he has been issued with a CCJ and does not know the best way forward from here.

He is petrified someone will turn up at the door and take goods.

He has zero money to pay off the debt, but could organise a small monthly sum to pay off over a number of years.

 

 

I will copy in his text below,

but if anyone needs more info I will ask and reply asap.

 

 

Thanks Amount:

£2413.35

CCJ date:12/2/16

Original bank: MBNA

Current creditor: Arrow Global Guernsey Limited

Advice from court: complete app to have judgment set aside for 155 pounds.

 

 

Advice from National debtline: complete N245, vary judgment form for 55 pounds.

 

 

Not over 6 years and pretty sure I owe the money.

 

 

Need to do something ASAP to stop the threat of a warrent.

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so arrows got a backdoor CCJ for an old MBNA card

 

 

was he aware that they were doing this

or did he get no paperwork prior to this?

has he moved and it was done against an old address?

 

 

all very well getting it set aside

but will still need a valid defence

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, Thanks for the reply. He was unaware that this process was happening, however this does not mean he didn't get the paperwork as he told me he rarely opens them. So it could be that it was sent and never opened. He has lived at the same address for well over 10 years.

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if he got the paperwork but ignored it, the only course open would be to apply to vary the amount payable

to an affordable monthly payment

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Which is an option he would like to take..

 

 

. how would he go about this?

 

 

Is there any mileage with seeing if arrow global have the correct paperwork?

 

 

CCA agreement etc?

 

 

Or is that too late now it has gone down the CCJ route?

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the ccj becomes the agreement, so too late now

 

to vary payment use form N245

http://hmctsformfinder.justice.gov.uk/HMCTS/GetForm.do?court_forms_id=486

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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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Thread moved to the appropriate forum.

 

Regards

 

Andy

We could do with some help from you.

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If his income is low, as in receiving income support or similar then along with the N245 he could also fill in a EX160 which could exempt him from court fees.

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