Arrow Global CCJ - variation requested

[Riz]

Re: Arrow Global CCJ - variation requested

thats true i just hope i haven't put people off me because of what i said about the judge i wished him bankrupt and in hell

Nope. It's the usual judge lottery.

Many judges would have read your I&E and made a sensible decision based on that.

Unfortunately, just because someone is a judge that doesn't exclude them from being an a******.

You got the 2nd of those two.

[kilasuit]

Re: Arrow Global CCJ - variation requested

is there anything applying for yet another redetermination or appeal his decision at all??

[Spent2much]

Re: Arrow Global CCJ - variation requested

is there anything applying for yet another redetermination or appeal his decision at all??

no this is it no appeal

[helmsman]

Re: Arrow Global CCJ - variation requested

Nope. It's the usual judge lottery.

Many judges would have read your I&E and made a sensible decision based on that.

Unfortunately, just because someone is a judge that doesn't exclude them from being an a******.

You got the 2nd of those two.

Thats just about it some judges are sensible some are just arsoles you read about bonkers judges all the time. still really sorry the outcome was unfair downright unjust really, still the best of luck to you. (it has to change soon ).

[Spent2much]

Re: Arrow Global CCJ - variation requested

Sorry to hear this S2M, some judges just don't deserve their jobs, they are supposed to be FAIR and UNBIASED and base their rulings on LAW. Unfortunately some come from privileged backgrounds where they wouldn't have known about struggling to pay UNSECURED debts only to be hit with a CCJ and a CO SECURING the debt on your home. That's something we are not warned about when we take out unsecured loans and credit cards.

I know you and your hubby work very hard just to keep going in this rotten economic climate courtesy of the banks that turned the whole world upside down, got bailed out and carried on lining the pockets of the Chosen Few who get the Big Fat Bonu$e$. I wish them a Merry Xmas!

You may well find business picks up a little, it certainly will over the Xmas period, at least enough to allow you to pay the £17 a month which, in the bigger scheme of things, is not an impossible sum. You are no longer paying your UE ones!

I wouldn't think it worth thinking about selling the house for the sake of £17 a month, it's hardly worth the aggravation and hassle. Even if you are not attached to the house, you still need a roof over your head and you'll have to deal with estate agents, viewings, surveys, offers (or lack thereof), etc. Followed by solicitors, packing, having to find another place to live, dealing with letting agents, deposits, etc. Then unpacking and getting your phone line, broadband, etc. sorted. Even I'm feeling tired just thinking about all that!

With regards to the CCJ, it's too late now to send a CCA request because the judgment supersedes any agreement there may have been.

thank you Flowerpower what you say makes sense. Hubby is so down today he had to sit there and listen to the arrogant prat of a judge say basically 'its your debt you should be paying it'

Fairfax were equally as arrogant , i'm so disappointed although i was half expecting this as the whole thing with fairfax has been deceiptful from the start, obviously fairfax and judge are kissing each others arses

sorry my hubby said fairfax were that arrogant they only sent a letter to the judge and never even turned up. I am reading tex messages which come through in two's so must have missed that part where they never turned up . The letter said if it is lowered to £1.00 a month it would take 463 years to pay back.
I have news for them, they won't be getting any of it paid back

[Spent2much]

Re: Arrow Global CCJ - variation requested

Well something made me good anyway.
I put a wicker suite on the front and wrote free . Someone just knocked and took it bless them.
It feels good to give someone else a little bit of pleasure .

[Spent2much]

Re: Arrow Global CCJ - variation requested

He should join the green forum! That's their idea of solving people's debt problems.
Yep!

Yes, they can argue that but the Judge's job is to look at both sides, that includes your I&E statement as well as their letter. Fairfax would have paid peanuts for the debt, yet now they have secured it with a charge on your house for the full amount even though it was an unsecured debt to start with. Why isn't THAT little fact taken into account?
You could have sold it for £17...

lol i could have, but its my nature to give stuff away maybe i'm too soft ,but just seeing them take it away and so happy with it made me feel so worthy which is more than that judge should be feeling.

Just out of interest , how much would someone offer as a full and final of £5556 ? not that we have the money but one never knows what is around the corner

[The Tech Clerk]

Re: Arrow Global CCJ - variation requested

Start @ 10%

[The Tech Clerk]

Re: Arrow Global CCJ - variation requested

Just out of interest , how much would someone offer as a full and final of £5556 ? not that we have the money but one never knows what is around the corner

That was the question i.e. If someone wanted to offer a Full & Final a starting point of 10% would be an idea, of course at some stage in this case at a future date one would expect to be able to offer a F & F to settle the CCJ , and I am sure O.Hs might look to conclude the matter in a lump sum.

[Spent2much]

Re: Arrow Global CCJ - variation requested

Just out of interest , how much would someone offer as a full and final of £5556 ? not that we have the money but one never knows what is around the corner

That was the question i.e. If someone wanted to offer a Full & Final a starting point of 10% would be an idea, of course at some stage in this case at a future date one would expect to be able to offer a F & F to settle the CCJ , and I am sure O.Hs might look to conclude the matter in a lump sum.

I'm thinking to ask my dad to release some of the inheritence money to clear this shit as i can't stand the thought of being tied to them forever and by the judge wanting to see the bank account for the next six months restricts me even spending a single bleeding penny , i'm not happy about him wanting to see the business books either .

[Pixie]

Re: Arrow Global CCJ - variation requested

I'm sorry you got a of a judge today S2M

It's ridiculous that he didn't even look at your income and expenditure

At least the amount as reduced so there was something positive about today.

[Spent2much]

Re: Arrow Global CCJ - variation requested

I'm that fedup i really am, hubby said that the judge never even bothered that evershods/fairfax deliberatley refused two payments so they could default and go for a ccj/charge on the house, he more or less said its done now tough.
he also said if you don't pay the £17 he will allow fairfax to go for a forthwith.

The house can go and everything i don't care anymore, if judges can treat people like this then why should i bother. Life is hard as it is, i can't even afford a frigging new coat for winter so why should i care anymore.

I should have just stopped paying the mortgage 3 months ago and waited for the house to get taken off us and then this would be nearly over.

[PlanB]

Re: Arrow Global CCJ - variation requested

I'm thinking to ask my dad to release some of the inheritence money to clear this shit as i can't stand the thought of being tied to them forever .

I won't let you do that

Your family inheritence money is going to be spent on family and not on paying these ar*sehole creditors. Plan B never swears but tonight I'm making an exception

You've had a bad day but please don't lose the plot

You will not sell your home either because as Flower says that will not exactly be cost effective And even if you do then that will mean these fuck*rs have won and that would be tragic

You will not be tied to them forever because you'll either win the lottery (possibly) or when this bloody recession is over your business will pick up and you'll get shot of them all with a F & F

This is my second recession (1970 was far worse) and I'm still standing and you will be too if you get a grip

[Spent2much]

Re: Arrow Global CCJ - variation requested

Just sit down and do a little math:
£17 x 12 = £204 per year. That's it! That's all you're paying!

Iin 10 years, £2000! How does that compare to using whatever money you may get your hands on towards clearing it now? Not well at all!

If you have some inheritance money, it could be put to much better use clearing your mortgage arrears. If memory serves me, that was the whole point of requesting the variation, so you'd have money to pay the arrears every month.
You guys have obviously had a bad day but I'm sure once you've slept on it, you will see how out of proportion this is. We're talking £17 a month, I pay more for Sky! And on my mobile contract! It would cost me £17 to go to London for the day! You see what I'm saying? It's not worth getting so upset about it. I do understand it's the principle of it, the fact that the judge didn't even look at the I&E that's upsetting you, but you have to look after Number 1 and that's you and your family!

Would you even think about selling a house for the sake of not paying £17/month? If the house is in negative equity (I think you may have said it was), you'd have a mortgage shortfall to deal with, and they could chase you for it for 12 years! Selling and/or allowing the house to be repossessed wouldn't be the end of your problems, it would be the beginning of much bigger ones!

its not the amount its the fact the judge wants to see my bank statements a joint account , i don't like this invasion of privacy. I won't be treated like a child this is not right .
I am not budging on it i am giving it all up hubby can do what he likes but i am not being treated like this, it may be the end of our marriage as i will not let a wanker of a judge treat me like this.

[Spent2much]

Re: Arrow Global CCJ - variation requested

i am that down right now i couldn't care about my own life or anyone . It can all go down the toilet for what i care about it right now .