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Advantage finance 2014 CCJ..now Attachment of earnings N56


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Afternoon all !

Need a little advice on a creditor applying to court for an attachment of earnings from a CCJ.

How will a court assess this if I am contracting on short term three month contracts ?

How will the court perceive this if I contacted the creditor to pay missed payments but they refused to accept them pending court response ?

 

Thanks...

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which of your existing threads is this related too please.

 

we need the full story/

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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You can opt to pay the judgment creditor direct rather than through PAYE given your short contract...opt to suspend the N56 (Box 10)

 

 

Andy

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Not sure if it is on an existing thread but here goes :

 

Creditor - Advantage finance

 

Personal loan - £3900 paid off so much , lost job , fell in to debt etc. They got a CCJ back in 2014 for £2999

Agreed to pay £40 per month

Current amount £1160.

 

Missed two payments due to awaiting payment from agency.

 

Just spoke to them today to make payment of £80 ,

first person refused and told me they had sent it to court for N56 ,

apparently my last contact with them was Sep 20th which is wrong as I spoke to them a few weeks back to let them know the situation that I am self employed and awaiting 7 weeks worth of back pay (crap agency payroll system )

 

Spoke to another at Advantage about an hour ago and they said missed payment from Aug and Oct ??

made £40 payment for Aug so Oct still due and apparently still gone to court.

 

I know I should not communicate on phone with them..just need to get this paid off.

 

So I am self employed on three month contracts so I don't believe a judge can award AOE ?

 

Secondly by the time it gets to court I will be up to date regardless but to be honest I would be happy to attend plead poverty and reduce my payments to a tenner just to annoy Advantage ..

Any thoughts on the above ?

 

Thanks Andy that's best option

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thread title updated

 

was this car finance?

 

dx

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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Share on other sites

Just suspend it all together then if self employed...Attachment of Earnings is not applicable to self employed....no need to arrange payment direct with the judgment creditor

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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I believe they tried to repossess car back but it got written off 8 weeks after I purchased it .

 

 

:lol: bet that please them..

so the ins did pay it off?

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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Share on other sites
  • 2 weeks later...

The vehicle got recovered to a local compound once the roof was cut off , I did offer them bits of it but they were not impressed ! :lol:

 

It was a 50/50 smash so insurance paid off the other driver and I paid off some of the outstanding loan but it left some to pay off, lost job etc ended up going to court for the rest and a CCJ. Should have defended but was dealing with a load of issues at the time.

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I spoke to them today as I have a missed payment of £40 outstanding, told them this would be cleared on Fri but their rather nice arrogant customer service rep told me they were still pressing ahead with the judgement. Fine I replied I look forward to going to court I replied.

 

Anyway what is the general procedure here ?

Do I receive a letter in the post to attend my local court ?

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fill out the N56 as advised

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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Share on other sites
fill out the N56 as advised

 

Okay I have seen a copy of that N56 understand now about offer of payment down in section 10 ! When Andy has mentioned Judgement creditor does that mean payment to the court direct ? Also am I likely to be challenged if my offer payment is say £20 instead of the £40 I originally opted to pay ?

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creditor [claimant] nothing to do with the court.

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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Share on other sites
creditor [claimant] nothing to do with the court.

 

Ah I see , cheers DX this is what I am doing now ! Are there any associated costs that can be added to the debt from the creditor for applying to AOE ? Advantage will lie through their teeth im sure so want to be prepared to call their bluff.

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Not as far as i know

 

Sent them an sar too

Bet there are arrears fees etc etc

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... 

Link to post
Share on other sites

Application for an attachment of earnings order (a fee is payable for each defendant against whom the order is requested). £110

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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Application for an attachment of earnings order (a fee is payable for each defendant against whom the order is requested). £110

 

Even if the order is not granted ?

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Presume so...cant see court refunding it for the claimants error

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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