Lowell/Carter claimform - old Littlewoods cat Debt ..**Settled by Consent Order** missed payments - now AOE -

[AndyOrch]

Not to worry you have confirmation that the Consent Order is in force......they dont have a copy neither does Lowell so no one knows what the schedule stated and therefore no one deny its contents.

[jboyd83]

Ok thanls, so I can still attempt a set aside? 

[AndyOrch]

Yes ...you have it confirmed by the court above that they requested a copy of the Order/Consent on the 2/08/2019....and then requested judgment on 21/08/2019 .

[jboyd83]

Andy can we simply arrange it through Lowells rather than pay to do the N245,?

Edited October 23, 2019 by jboyd83
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[dx100uk]

I wouldn't

as any informal agreement with lowlife can thus be rescinded by them.

 

get it done via an N245 then they can never demand more £PCM than agreed with the court

else they WILL every 6mts.

[jboyd83]

Ok can we put things such as mot, car insurance, car tax, entertainment, haircuts, house insurance etc fir outgoings?

Should I mention baby is due in 7 weeks?

Is £450 per month groceries&toiletries an acceptable figure? (2 adults, 2 teenagers, 7 year old, new baby on way)

All busfares and school/college meals etc? Internet etc? Mobile phone costs etc?

 

[dx100uk]

yes everything inc savings to facilitate car repairs etc etc.

 

there is a budget sheet in the mortgage section of our library too to help.

[jboyd83]

Fantastic thank you. 

Should I put my own income/expend on there aswell even though its just husbands debt?

Thanks Andy

[AndyOrch]

All income but only his will be used to calculate the payment

[jboyd83]

Ok so put mine, but explain underneath that its my income 

[AndyOrch]

Yes as other income.....and at 7 it states dont include any payments made by other members of the household 

[jboyd83]

Oh god well it all goes in the pot and out of the pot we dont seperate our finances to be honest.

I'll put all outgoings except any debt in my name, and put all income down but note that its mine.

[AndyOrch]

Take your time completing it...read each box carefully....it is confusing 

[jboyd83]

Thanks

[jboyd83]

Hi is there any way someone can help me do a set aside.

 

Ive not been able to do it as we dont have the fee to pay it, but we now have a letter from Lowell threatening bailiffs if we dont pay up in 14 days.

 

The reason we dont have it is because my husband has started a new role earning more money but has not had his higher pay yet, but because he's on a higher pay I have to obviously declare that, meaning I doubt we'll get a fee remission.....

but also, because he's not got his pay yet I cant update our tax credits yet as they'll go down straight away and we have a baby coming and stuff still to buy.

 

The tax credits amount going down would bring our income amount down on the ex160a, and the babys arrival on the 18th Dec will up the threshold  by £245 ...but... we're in limbo until pay day and baby's arrival.

We are literally up the creek but its very temporary.

 

Do you think someone could be kind enough to help me do the set aside, and possibly....

would it be worth explaining our situation to the court in with the letter,

and explain we can pay it but can they allow us to pay it in instalments or look at it under exceptional circumstances?

 

Thanks very much 

 

Ive written a four page letter explaining our situation and pleading for more time to pay the set aside fee or postpone further action in the interim.

 

If someone can possibly help me with the set aside application Id be so grateful. 

 

Got to at least try...

we dont have the fee but I cant just leave it so have explained that husbands awaiting first new wages, tax credits will go down, new baby on its way etc and that we just need time rather than money lee-way before Lowell initiate bailiffs.

Edited November 16, 2019 by jboyd83

[dx100uk]

p'haps not the best thing to do

just use the N244.and the ex160

let them sort it out

don't complicate things..

 

don't worry about the bailiffs there isn't really anything they can do

there is no right of forced entry upon consumer debt CCJ enforcement.

 

 

[jboyd83]

The thing is I cant do the ex160a until I know what money we have or dont have ...

We will lose a considerable award of tax credits in a few weeks, and a baby coming in 4 weeks bumps up the income threshold for fee remittance by 245.

 

We dont have the fee to pay the ex160a...

So... does that mean we can just hang on a bit then?..no bailiffs will be sent?...

we can just wait a bit to do the ex160?

(Just to clarify, the letter ive written was going in with the application to the court, not to Lowells... it says you can request them to consider special circumstances?)

 

They cant take our car can they?!

 

What happens with the N244?..

.Do I just apply and then wait for them to contactme for fee payment or will they expect the payment WITH the application before theyll even look at it.

 

Im sat thinking I need to do everything at once WITH the N244, is that not the case?...

. if not it would mean we would hopefully get some time to sort ourselves out whilst they look at the N244 and then request the fee....

I just thought the fee had to ne paid with the N244 immediately - does it not?

[dx100uk]

stop worrying about if's and but's and maybe's.

 

no the bailiff cannot rock up and just take the car

don't think silly TV programs you see mean that applies to action they could take on your situation and debt, it doesn't

already explained this.

get the N244 in and that negates them anyway.

 

do you qualify for ex160 fee remission right now?

 

[jboyd83]

Ok sorry just stressing out.

No we wouldnt right at this moment.

We possibly may in a few weeks once baby arrives...

This is because my husband will have his first new wages, and tgen we can update tax credits which will go down significantly, and babys arrival will bump up the income threshold for fee remission by 245 per month as its an extra child.

[Old Cogger]

You will need that amount for the child nothing else

[jboyd83]

Sorry old cogger Im not sure I understand what you mean 

[Old Cogger]

Check  the amount you have comming in onece known against the remmision form allowance data for

[jboyd83]

Yes I will but we wont know our proper finances until another few weeks (thats what I explained above in previous post)

 

So shall we just wait then? 

Feel like we're in a bit of a complicated situation.

 

[Old Cogger]

See what DK think's @100uk

[jboyd83]

Hi, so shall I hang on then..

Or can I do the set aside form without having to put the fee in with it straight away?

We dont have £250 and on paper wont qualify for discount at this precise moment