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    • Sorry the picture is not clear re boundary. Is it just the asphalt of a few inches before the white cable or the whole asphalt shown in the picture ?
    • These dates stated are within last 6 years. So what is the challenge here. Are the dates/amounts wrong ?   "for the period 01/04/2014 to 08/07/2015. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year  from 08/07/2015 to 11/06/2019 on £304 and also interest at the same rate up to the date of the judgment or earlier payment at a daily rate of £0.21"
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    • I only got the car 3 weeks ago, had the car serviced as it was coming up to the service date and was advised by the garage that the Tyres were illegal so I think it’s cut and dry really. The fact is I was allowed to drive a car off the forecourt with 2 bald tyres and I was told by dealer the car had been checked and surely Tyres should have been part of the check.
    • Less than 100 miles not enough miles or time to wear the Tyres enough according to the garage. I’m more angry I could have got up to a £5000 fine and 6 points, what would the dealership responsibilities be then? 
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    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
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    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
Cloverfield

Cabot backdoor CC for Newday Card - Now Warrant of control

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There is no point in applying for an instalment order if you have no money to pay, and no point in applying to set aside if you don't have grounds to contest the CCJs. Were the debts statute barred?

 

Gather information about all of your debts and consider applying for a Debt Relief Order if you are eligible, this will write off all of your qualifying debts and you can forget about them. Although it will affect your creditworthiness for the next six years.

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" There is no point in applying for an instalment order if you have no money to pay, and no point in applying to set aside if you don't have grounds to contest the CCJs "

 

The reason for the application is to convert it from Forthwith to Monthly and stay the current WOC also to stop further Bailiff attempts.The sooner the court are aware of the OPs financial situation the better.

 

Who mentioned anything about setting a side ?


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Posted (edited)

There doesn't seem to be much point paying £50 to vary the order when Cloverfield has no disposable income to pay the debts of £8k plus in reasonable instalments each month. She doesn't own property, doesn't own a car as she uses her son's motability car, doesn't have disposable income over £50 a month so if the total debt is under £20,000, the £50 fee would pay more than half the £90 cost of a DRO.

 

Even if the order is varied, one missed payment can result in enforcement action starting all over again. It's just delaying the process for a while.

 

On ‎06‎/‎04‎/‎2019 at 18:23, Cloverfield said:

Also, my son has a Motability car that I'm registered to drive, can they take that?

 

Definitely not. They cannot take any motability cars.

Edited by Will Goodfellow

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If she had no money wouldn't she be a candidate for fee remission under ex 160?

 

I agree about the sums available to her, the variation can also be used to report that she cannot afford to pay anything of course.

The point is to get the bailiff off her back if supported by evidence and a sworn statement the court may suspend execution completely.

 

 


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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6 minutes ago, Dodgeball said:

If she had no money wouldn't she be a candidate for fee remission under ex 160?

 

It depends on her partner's income, possibly not. Carer's allowance is not classed as income in the calculation.

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On 09/04/2019 at 13:42, Cloverfield said:

I pay £50 per month to CT arrears so I'll list that in priority debts. 

 

I only have details of one CCJ (this one) and Northants couldn't tell me about the others as I don't have case/claim numbers. Does this mean I'll have to check my credit report? I've been reluctant to do that as it will definitely alert any other creditors to me, and so far they've just been fishing. Can I just sort out each CCJ as they crop up instead? At least I'll know what to do and how to fill in the forms.. I know you can bundle CCJ's together if they are less than £5k, but mine are over that amount. 

 

My head feels like it's going to explode!

2

Not sure what you mean by bundling together CCJs, could you clarify. 

 

Apparently, you can claim if your hubby brings home less than £545. a month. Don't count your allowance and mention your disabled son on the form, any problems, ring the court you are applying to.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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I read that you can include all CCJ's in one application - saving money on fees and making just one monthly payment. Irrelevant as total debt has to be below £5k.

 

Husband earns more than the threshold, so I didn't qualify for help with the fee.

 

I followed the advice given here and sent the form and fee last week. I got a call on yesterday to say that as soon as the cheque clears, the application will be processed. In the meantime, he said he would make sure that the bailiffs were aware my son was autistic and would ask them not to visit. I don't know if that will actually work, but that's what he said.

 

If my low monthly offer is accepted, I certainly won't miss a payment. I'm not destitute, I just don't want my husband to have to pay for my stupidity. I want only my income to be counted and the money payable to come from me.

 

Thanks again for the good advice.

 

 

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To be honest you would have been better off ringing the Bailiffs Office yourself and telling them you have submitted an application, they can then look out for it and in the majority of cases will put to one side until the application is heard.

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Hi Plodd, good sensible advice, as usual, I advised the same thing in post 9.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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4 hours ago, Cloverfield said:

 

I read that you can include all CCJ's in one application - saving money on fees and making just one monthly payment. Irrelevant as total debt has to be below £5k.

 

 

 

 

This is probably in relation to the second charge that bailiffs make, It can only be rendered when the debtor has not satisfactorily responded to the first notice and the bailiff calls at the property.

The Regulations state that this fee £235 should cover any other, simultaneous calls, for other debts that are on the bailiff's books.

 

Your priority is to ensure the offer you made in relation to the first notice you received is accepted, thus the second stage fee will not be due at all.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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This is County Court Bailiffs not HCEO..there is only one fee  £110.

 

https://www.gov.uk/make-court-claim-for-money/enforce-a-judgment

 

" I read that you can include all CCJ's in one application - saving money on fees and making just one monthly payment. Irrelevant as total debt has to be below £5k. "

 

Incorrect one CCJ per N245..you can bulk CCJs on to a Time Order/DRO/Bankruptcy 


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Dodgeball is referring to Bailiff fees and not Warrant or Writ application fees.


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County Court Bailiffs  are salaried civil servants employed directly by the court service......there are no further fees PT 


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Obviously time for me to go and sit on the naughty step. I may be quite some time.


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9 hours ago, Andyorch said:

This is County Court Bailiffs not HCEO..there is only one fee  £110.

 

https://www.gov.uk/make-court-claim-for-money/enforce-a-judgment

 

" I read that you can include all CCJ's in one application - saving money on fees and making just one monthly payment. Irrelevant as total debt has to be below £5k. "

 

Incorrect one CCJ per N245..you can bulk CCJs on to a Time Order/DRO/Bankruptcy 

1

Yes, and as said they are generally quite approachable, and being salaried has a lot to do with it. Sorry, I was referring to EAs.

I can't think of any other situation where you get two for one.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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