Hi to everyone, I'm in for a rough ride

[lookingforward]

Re: Hi to everyone, I'm in for a rough ride

If someone knocks the door, we peep through the window to see who it is, if it's anyone "suited and booted" or with a "clip board" or in any sort of "workwear uniform" I don't answer lol, except for the postman or courier. I have the children well drilled like the Von Trap family.

Haha sounds familiar

[Undercover Elsa]

Re: Hi to everyone, I'm in for a rough ride

Hi Battendown,
Welcome to AAD, and glad to see you're starting to take control of your debts instead of letting them control you!

When you got the CCJ, who decided how much you had to pay a month..was it the court (ie an instalment order) or the claimant's solicitors?
Also, how much was the debt for and how much are you paying a month? Can you remember if there was any payment protection insurance on the credit card, or unfair charges?


This parking fine...is it from a private car parking company such as NCP or a council fine? When was it issued?

Shep x

[Never-In-Doubt]

Re: Hi to everyone, I'm in for a rough ride

This is for a Lloyds cc. The only thing is that we do have an unpaid parking fine when our parking permit had fallen onto the floor of the car. couldn't afford to pay it and so will be looking towards bailiffs for that soon

That'll be the baby. Not the credit card

Should be easy to fight - Pompeyfaith is a good starting point

[Battendown]

Re: Hi to everyone, I'm in for a rough ride

Sorry I moved posts into anything goes thread to keep this on topic.

I'll move these as well after you've read it

Thanks Niddy

[Battendown]

Re: Hi to everyone, I'm in for a rough ride

Here it is I've found it http://forums.all-about-debt.co.uk/s...&postcount=900

I thought it was rather welcoming but the joke's probably gone a bit flat now

It was very welcoming, thank you

[Battendown]

Re: Hi to everyone, I'm in for a rough ride

It could be an unpaid parking fine and bailiffs are wicked with adding costs they're not entitled to and genrally overstepping the mark

Have a read of our info on all this if you're worried

http://forums.all-about-debt.co.uk/s...d.php?t=2252ra

This is for a Lloyds cc. The only thing is that we do have an unpaid parking fine when our parking permit had fallen onto the floor of the car. couldn't afford to pay it and so will be looking towards bailiffs for that soon

[Battendown]

Re: Hi to everyone, I'm in for a rough ride

I note that you are a homeowner. If you have a CCJ already then post up more details because we want to do our best to avoid a charging order on your property. Niddy's suggestion to get that one redetermined asap is perfect.

When you list your debts it would be helpful to clarify which are in sole names and which are joint accounts.

If you start to read some diaries you'll see how peoples lives have been turned around by going down the unenforceable route. I hope yours will be too

Thanks for that, I will x

[Battendown]

Re: Hi to everyone, I'm in for a rough ride

Council tax and electricity (along with the mortgage, of course) are priority debts and they should come above anything else including a CCJ. Water is not regarded as a priority because the water companies can't disconnect you...

You mention court bailiffs, could this be for your council tax? How many months are you in arrears? Bailiffs can't force their way into your property but they could enter through an open window. You don't have to let them in or speak to them. If you have a car it may be an idea to park it a few streets away from your home.

You need to deal with these issues before anything else. If you can't afford the repayments on your CCJ you should ask for a redetermination as noted above. If you are on benefits or a low income you could get an order to pay just £1/month. There are quite a few people on here paying £1/month on a CCJ, including one where they have a charge on their property, so it is perfectly possible to convince a judge you can't afford anymore.

You shouldn't fall behind on your electric or council tax just because you are paying a CCJ! Judges are fully aware of the need to cover priority outgoings before making any debt repayments.

Once you've sorted out the above you can list your other non priority debts and start a diary in this format so we can see where you stand --->Unenforceability Diaries - Read me First! - allaboutFORUMS

Hi Flowerpower
Yes I'm in a bit of a mess I'm afraid. I've been silly and let electric and council tax bills unpaid to pay other bills. I will be putting up more info on what is what over the next few days and I will start a diary. I'm not exactly sure how much I'm in arrears as I have been masquerading as an Ostrich (with my head in the sand) for such a long time now. Also thanks for the tips on smiley and calling Never-In-Doubt Niddy. x

[Battendown]

Re: Hi to everyone, I'm in for a rough ride

In the first post, OP says her husband has a CCJ.

As they're ignoring letters etc from credit card companies and dcas, maybe they ignored the court forms which resulted in the payment being set higher than they can afford?

Hi Pixie
Thank you for your replies. Yes it is set at more than 6 times what the minimum payment was when he had the credit card.
Mr B is going to contact the court for a redetermination. x

[Battendown]

Re: Hi to everyone, I'm in for a rough ride

They won't make you BR!

A redetermination is used when the lender has judgment and the repayments set by them are too high so you can send off form N244 and ask for a variation in the order (judgment) which is where you'd then show incomings/outgoings etc....

If you can start a diary and list the debts etc then we'd be able to help more, I presume with you asking about redetermination you've got some form of judgment?

Thanks Niddy, Mr B is sorting out a redetermination. I will be starting a diary soon when I've got the info I need. and thanks with the help with the smileys.

[Battendown]

Re: Hi to everyone, I'm in for a rough ride

Have they sent a HCEO (High court enforcement officer)? If not then you can tell any bailiff to get to fu*k........ However I wouldn't suggest you do that!

See this for info ---> How county court judgments are enforced : Directgov - Money, tax and benefits

Basically, batten down the hatches!

If someone knocks the door, we peep through the window to see who it is, if it's anyone "suited and booted" or with a "clip board" or in any sort of "workwear uniform" I don't answer lol, except for the postman or courier. I have the children well drilled like the Von Trap family.

[Never-In-Doubt]

Re: Hi to everyone, I'm in for a rough ride

Sorry I moved posts into anything goes thread to keep this on topic.

I'll move these as well after you've read it

[PlanB]

Re: Hi to everyone, I'm in for a rough ride

Here it is I've found it http://forums.all-about-debt.co.uk/s...&postcount=900

I thought it was rather welcoming but the joke's probably gone a bit flat now

[oscar]

Re: Hi to everyone, I'm in for a rough ride

Cant see that anything has been deleted PlanB. Not disputing what you say, just cant see any amendments.

[PlanB]

Re: Hi to everyone, I'm in for a rough ride

Mods. While Battendown was busy cooking her Tea (or Supper or Dinner) my post vanished I hope I didn't start something too controversial for this site I only wanted to make the poster feel at home and ask you to reconsider putting it back I really don't mind (too much), but if I've done something wrong please PM me otherwise how will I learn