unknown safetynet/Shakespear martineau CCJ and threat of Attachment of Earnings

[daddyboo]

Hi

I previously had a loan with safetynet credit which i failed to pay..

 

i sorted out all my finances in debt management and totally forgot to add this one.

 

 

now a company called shakespear martineau has contacted me out of the blue threatening attachment of earnings.

 

I wrote and made a offer of payment which they ignored unless i filled out an expenses form!

I didn't want to disclose my employer etc so filled out the form as stated on their email

(as much as i can) again offering payment of £50 a month plus asking for bank details.

 

This weekend i have received a judgment letter asking me to reply to court within 8 days or attachment goes ahead..

 

This company seems to be ignoring all my emails not even said can you offer higher amount etc.

. Ive kept in contact since 1st letter and also even spoke to them on phone to check they got my emails . What can i do?

 

 

Is it worth me contacting safety net Who the original debt is with?

 

Thank you .. feeling so stressed!

[AndyOrch]

Hi daddy

 

This " Judgment Letter " is it an N55/56 ?

 

Did you know they had a CCJ against you ?

 

How much is the debt ?

 

Regards

 

Andy

 

PS thread moved to Financial Legal Issues

[daddyboo]

hi

It says N55 right at the bottom of the letter.

On top it says notice of application for attachment of earnings.

Not sure about ccj... as only came about couple of weeks ago.

There is application number judgment creditors number.

 

Sorry forgot to add the debt they are saying is £1172.

[dx100uk]

have you moved since you took the loan out?

[daddyboo]

No not moved.

Its just very confusing as this shakespear martineau just contacted out of the blue.

First email 26/04/17 .

 

 

I responded called them told them want to settle the debt as i dont dispute but could they send me breakdown of what im paying??

 

 

They did this but then got a letter threatening attachment of earnings..

again i called them and sent email offering payment..

 

 

week later they respond (after i called them) asking me to fill a form ( expenses etc)

i told them i dont wish to disclose employer details they said fine just fill in much as you can as they cant accept any offer without it ..

 

 

So I did again offering payment and asking for their bank details.

No response until this Saturday i get the n55 letter!

[dx100uk]

have you checked your credit file for a CCJ?

 

 

there must be one.

 

 

Shakespear Martineau are a very strange bunch to be involved in this

we've seen them involved in several spoof claims that came to nothing

but obviously this one is real as you've got the N55/56.

 

 

go check your credit file find the CCJ number

then it might pay you to ring northants bulk court and get a copy of the CCJ & ask what address is on it

[daddyboo]

Thank you for your help .

Is there any way of delaying the aoe? As it says reply within 8days.

Should i call the court and explain ive tried to pay etc.

[dx100uk]

yes

is the CCJ number on the N55/56

should match the one on credit file

noddle or clearscore or Experian

they are all free.

 

 

it could be a case of irresponsible lending here

you credit file was trashed and they shouldn't have loaned you the money etc

but you need to gather info first.

 

 

does it say or do you know who the claimant was or who are SM's client?

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?472052-Cabot-Mortmer-N55-N56-on-default-judgement-issued-to-old-address

[daddyboo]

It says judgment creditor safety net credit formerly known as clearaccount.

Debtor is myself with my full address.

 

Payments to be made to shakespear martineau and their full address.

 

I may of even been in the debt management plan when i took this loan!

 

 

Will have to look in to it ..

but so worried its too late!

 

 

Problem is this sm company gave me no time before 1st email and letter and the n55!

[dx100uk]

credit file

go get the date of the CCJ please

 

 

an irresponsible lending claim against safetynet under FCA/FOS rules is very powerful and you'll win if your credit file was already full of defaults and loans and that DMP.

 

 

how that sits now as a court claim is registered is something I cant answer its a bit out of my league

but it could well be very useful to set this aside

 

 

go read this thread

http://www.consumeractiongroup.co.uk/forum/showthread.php?472052-Cabot-Mortmer-N55-N56-on-default-judgement-issued-to-old-address

 

 

 

 

dx

[daddyboo]

Right ive just checked! And on credit file it says court judgment 6th april 2017. Does this mean ccj?

[AndyOrch]

Right ive just checked! And on credit file it says court judgment 6th april 2017. Does this mean ccj?

 

Yes...but now you need to find out if it had the correct address on the N1...Northampton CCBC !!

 

And there would be Notice of Judgment gone somewhere also.

 

Andy

[dx100uk]

it does yes.

 

 

IMHO

1st thing tomorrow

go ring northants bulk.

tell them you did not get the original claimform nor any previous letters

nor the judgement for claimant

 

 

id be following post 3 of that thread I linked too and get that N55/56 suspend the claim re set aside

 

 

i'm not too sure if andy I still about

but he might advise better from a more court informed route

 

 

dx

[dx100uk]

ah great see andy has posted..:thumb:

[daddyboo]

Credit file shows my address and the county court business centre as court address. ... really appreciate your help on this by the way .

[AndyOrch]

Just about to get my horrlicks

 

Yes as above...get the info tomorrow and then we can look at the N55..you have 8 days to file it.

[daddyboo]

Thanks all Will ring them tmrw and post back here what they say.

[dx100uk]

:sleep:

[daddyboo]

Thanks guys for all your help!

 

Update--Spoke to the court today and they advised me to get back in touch with shakespear.

 

I did and asked them why offer of payment wasn't accepted and why judgment was made .

. long conversation but they agreed to suspend it and set up payment plan.

 

 

They did try to fob me off at first!

But backed down once i told them i am in a position to take it further due to them not responding and getting no claim form originally etc

 

I now have a bit of time to at least get this sorted!

[AndyOrch]

Dont take their word for anything....did you ask Northampton what address was on the claim form and Notice of Judgment and why you have never received them?

[dx100uk]

they're hiding something..

please stop being so willing to give these fleecers money!!!!

 

 

you probable OWE NOTHING...

 

 

dx