our house

[Spent2much]

Re: our house

You can apply for a variation of the court order which normally costs £35 but fee can be waived if you are on income based (means tested) benefits.

thanks is this for them both , the charge and the ccj ?

[Spent2much]

Re: our house

I would make sure that it has not been set by the court first.

It sounds like it was a forthwith order and the agreed payments were with the crediors.

i think we will call at the court and ask how much it will cost for us to get it changed as it will help us a lot and looking on the court fees website it looks like we won't pay much or anything if we are claiming benefits, will see about the ccj also .

[vint1954]

Re: our house

I would make sure that it has not been set by the court first.

It sounds like it was a forthwith order and the agreed payments were with the crediors.

[Spent2much]

Re: our house

if we apply to the court for a redetermination on the charge and the ccj do you think asking the charge to reduced form £27.77 down to £5.00 and the ccj reduced from £3.89 down to £1.00 would be asking too much ?
The ccj is for a debt of £711.89

Just looked on payplanplus and it telling me 'your payment is overdue' I think not as i payed and have the proof , i also told them i am only paying 3 priority debts .

thinking about this , i don't think the judge ordered any set amount of repayment for the charge , so could hubby phone or write to fairfax and ask them to accept a lower payment of £5 until we get back on our feet once again, also the ccj if we write and ask them if we can offer them £1 also ?
This would be easier than applying to the court to do it .

[Spent2much]

Re: our house

if i take a lodger in they take £15 off the support for mortgage interest lol

[Spent2much]

Re: our house

thanks guys will look, i have another friend of my son's interested he is coming to look next week as i need to clear some stuff out

[Pixie]

Re: our house

If you're thinking of letting out to university students, you'll need to get in touch with the uni as soon as possible or you may find you've missed the boat.

[The Tech Clerk]

Re: our house

Interesting, could go into caravan lets for uni"s ? or not.

[PlanB]

Re: our house

A Level results were out last week so the big scramble for university places and student accommodation is at a peak right now. Some colleges post available accommodation on their websites so contact these as well as the letting agents Once the students know where they will be living they usually leave a deposit ( ) and then bugger off for a month and will be back at the start of term which will give you plenty of time to sort that annoying back door problem

[Spent2much]

Re: our house

But you said you could get a couple of lodgers that would bring £100/week... if there's a nearby uni it shouldn't be a problem!

will see what comes of that

[Spent2much]

Re: our house

If you genuinely only receive £30 pw profit from the stall, then it may be worth thinking about your next move.

I think JSA for a couple is around £111 pw.

yes it is £111.45 i have checked lol, the mortgage help is £71 a week which leaves us short of £166 + the arrears of £30 a month , not possible is it ?

[vint1954]

Re: our house

our business has been there for 18 years , we bought it off the guy who built it up and when we took it over it was bringing us in £3000 a week , now its lucky if it brings us £30 so you can see how it has declined, one guy on there near us has a cafe and his rent is £500 a week and his business rates a year are £6000 his electric bill every 3 months is £400-500 ,we believe the guy selling the same as us is on there to force us off as he also has a shop in the main precinct . Talk about greedy

If you genuinely only receive £30 pw profit from the stall, then it may be worth thinking about your next move.

I think JSA for a couple is around £111 pw.

[Spent2much]

Re: our house

The charge to get a redetermination in court is £80 for the hearing. If you receive any benefits, or are on low income, these can be waived.

Link below:

Court Fees

thank you again , will get this lowered as its far too much when the mortgage is going short .

[Spent2much]

Re: our house

If you do decide to give the stall up, you may be able to carry on part of that business online. No rent or rates.

There are some website experts on AAD, one in particulat that I can think of

thank you will show hubby this he is on the market now slogging away to pay them their rent the greedy sods

[PriorityOne]

Re: our house

The rent on our poxy stall is £170 a week then there are the business rates which are £1600 a year, then the electric which is individual ,

This is extortionate!! My ex had a market stall many years ago and while I appreciate that things go up, I'm not aware that business rates were even charged. If they were, it certainly wasn't very much or we'd not have bothered running it.

How much

In my neighbourhood the council let small businesses use empty shops free for three months and the High Street is full of pop-up businesses as a result. Maybe look into new premises as far away as possible from that guy who's nicking your trade too

Yes, they do that where I am as well. It's certainly worth looking into; if not a pop-up shop, then new premises entirely.