High Court Enforcement Group - advice needed

[SweetRevenge]

Hi everyone, long time no see.

 

Quick story:

Was subject to a disciplinary in Feb 2012 and went to get some 'proper' legal advice from a solicitors in Manchester first.

 

Must have received a bill at some point, probably while reading the letter telling me I no longer had a job.

 

Deep depression put me into a padded cell for much of that year.

In the meantime, CCJ against me for £1,269.25 + Judgment costs of £182.00

- Fair enough, never had a CCJ before, but not functioning properly at the time..

 

Finally got my act together in July 2012 after some very big burly chaps kept knocking on the door for a few weeks (at my new address - yes I'd had to move) and finding money somewhat tight i offered £20 a month until i could afford more.

 

I have one letter acknowledging this, but no bill or breakdown of costs or anything to describe the additions which I have TODAY become aware of (from asking for it).

 

Costs of Execution £111.75,

Accrued Interest £113.53, or Disbursements at £639.

Total now £2,315.93.

Apparently interest is still going on it at 30p per day !!!

 

I seem to remember the 'nice' lady at HCEG telling me only to pay £20 a month if I couldn't really afford £50. Crikey, at this rate I'll be paying it off forever!

 

I have had no statements, no total, no contact from High Court Enforcement Group on behalf of their client Moon Beever until today.

 

Apparently my balance still outstanding is £1,195.93 - I have paid off £1,120 at £20 per month.

 

Can anyone please advise me:

a) shouldn't they have let me know all the charges and interest in some letter or email so I knew how much was to be paid in total?

 

b) as they haven't done this, do I have to pay it all or can I ask for a reduction of any kind? and

 

c) If I still have to pay it all, what do you think would be reasonable as a full and final offer to get this off my credit record at last?

 

Any help gratefully received.

 

Thanks guys n gals.

[dx100uk]

have you a copy of the original judgement for claimant?

a copy of the original claimform?

and a copy of the CCJ?

[Bailiff Advice]

Hi everyone, long time no see.

 

Finally got my act together in July 2012 after some very big burly chaps kept knocking on the door for a few weeks (at my new address - yes I'd had to move) and finding money somewhat tight i offered £20 a month until i could afford more.

 

I have one letter acknowledging this, but no bill or breakdown of costs or anything to describe the additions which I have TODAY become aware of (from asking for it).

 

Costs of Execution £111.75,

Accrued Interest £113.53, or Disbursements at £639.

Total now £2,315.93.

Apparently interest is still going on it at 30p per day !!!

 

I seem to remember the 'nice' lady at HCEG telling me only to pay £20 a month if I couldn't really afford £50. Crikey, at this rate I'll be paying it off forever!

 

I have had no statements, no total, no contact from High Court Enforcement Group on behalf of their client Moon Beever until today.

 

Apparently my balance still outstanding is £1,195.93 - I have paid off £1,120 at £20 per month.

 

Unfortunately, yours is a very commmon problem. With High Court writs, daily interest charges are acccuring which in your case come to approx £10 month. Therefore, by paying such an nominal amount of £20 per month, only £10 of that payment is going towards reducing the writ.

 

Its probably best to wait for Ploddertom to visit the forum as he is the expert on these matters.

[ploddertom]

Have you asked them for a full breakdown of the fees charged to to date? If so what response did you get as the figures listed are not the whole story.

 

Are Moon Beever the original Claimant or are they acting for someone else?

[dx100uk]

beevers usual work as sols for 1st credit DCA

[SweetRevenge]

have you a copy of the original judgement for claimant?

a copy of the original claimform?

and a copy of the CCJ?

 

Hi, thanks for your reply.

 

I don't know! I will look through old papers to see if there is anything this weekend and let you know if I find anything.

 

And while you're probably thinking "airhead" I have to tell you I had a nervous breakdown and suffered from depression for a good while after losing, not just a job, but a career I had built up and loved. Even after agreeing to pay a nominal sum, I simply couldn't afford - or cope with - sorting this out.

 

I will get a grip on this though - with help from kind people like yourself.

 

Regards

[SweetRevenge]

This is what they sent me, suitably 'nonymized. If you click on it, it zooms I promise.

[SweetRevenge]

Thanks ploddertom, I've attached the file further up the thread.

[dx100uk]

unapproved client ref no showing.

do it to PDF please

 

 

follow the upload

[ploddertom]

 

And while you're probably thinking "airhead" I have to tell you I had a nervous breakdown and suffered from depression for a good while after losing, not just a job, but a career I had built up and loved. Even after agreeing to pay a nominal sum, I simply couldn't afford - or cope with - sorting this out.

 

I will get a grip on this though - with help from kind people like yourself.

 

Regards

 

You will not be judged here, but hope you are getting back on your feet.

[SweetRevenge]

Hi again, sorry about that. I've uploaded the file again - but don't know how to delete the first one.

 

It is now a PDF so hopefully better for you.

 

Regards

convert-jpg-to.pdf

[dx100uk]

wheres sheet 2

[dx100uk]

have you a copy of the original judgement for claimant?

a copy of the original claimform?

and a copy of the CCJ?

 

 

ring northants bulk Monday

ask for all of the above to be sent to you.

 

 

you'll need the CCJ number

[SweetRevenge]

There is no more information on sheet two except the rest of the payments I've made up to 17/02/17 and a total, £1,120.

 

I didn't think it would be needed?

 

Sweet.

[ploddertom]

There is no more information on sheet two except the rest of the payments I've made up to 17/02/17 and a total, £1,120.

 

I didn't think it would be needed?

 

Sweet.

 

If that is all what is on Sheet 2 then at present we do not need it.

 

Next question you need to ask HCE is for a breakdown of the disbursements that have been charged.

 

In the meantime stick to your payment plan as if you do default then can then start adding extra fees under the new Regs.

[Time Traveller]

I have a current thread were the HCEO have now admitted adding the writ fees twice. Once when the obtain the writ of control, which adds £117.75 to the "debt" and again in their billing. Check the amount on the CCJ is the same as the debt if this amount has been added in their billing. Given that more many debtors, the bills seem to grow legs and they just maintain their bills are correct and legal etc, I wonder how often such "mistakes" happen.