abbychaya
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Posts
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SO, I thought I'd update. Reston's went for and got a full CO. The amount outstanding that they now want me to pay is £5k (on a debt of 2k) I have offered (and they have accepted) £15 payment per month I am staggered. I can't understand how this all went through and wonder - is there anything I can do to challenge the judgement?
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Oh sorry, thought you knew all that info. Yes from 1992...
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NO, its just me.
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An interim CO surely, I just checked with the CAB, they still have to apply for a final order, at which point I can make an application to pay it in installments or an administration order as the debt is under 5k...
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The Land Registry said they could automatically do this at the time of the judgement - but I wasn't given that information at all, or a response from my offer to pay and income and expenditure that I posted to court/Restons following the pay up or else letter...
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I was not notified. The debt dates back to 1992 - as has been confirmed at the beginning of the thread..
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I wrote to the court after they demanded the money, saying I was on JSA and offered a £1 a month or something. I heard nothing back. Today I got a letter from the HM land registry saying REstons have lodged a charge against my property! This is the first I've heard of it. Don't they have to apply for this through the court? shouldn't I have been notified? what do I do? The charging order is dated 29th March. I received no correspondance regarding this whatsoever!
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I found the form. thank you. It says this is to stop bailiff action, but there isn't an enforcement order, just says pay up by 1st March
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Thank you, that link doesn't work by the way..
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the case went against me and the judge has demanded I pay up - including all their costs.. I can't obviously.. Do I make a proposal? Can I do something else? I can't help thinking I should have done mediation, but it seemed like that wasn't an option. I'm really confused and stressed obviously as I can't pay 4k...
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"In theory there should not be any new information as you sent them a Data Protection Subject access requesticon and they should have supplied all information they had." I only received their bundle two weeks ago - with all the correspondance etc I've told the court I would submit my witness statement yesterday and they said that was ok the other side (Restons) are not coming to the hearing So.. will I have to be the only one answering questions? The period i was in Malta is not in question as I have in front of me proof that I deferred from May 2013 - which would have covered me until May 2014 - the periods they are saying 2004 - and 2015 are also inaccurate as per my last post..
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They have had access to Honours Students Loans records, I haven't.. I have no records of correspndance. Only my own word ...and proof of income in that time - which is already contained in the bundle.. I know I should have taken legal advice, but haven't. The case will probably go against me, I realise that. Maybe I can appeal?
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All the relevant doc's are contained within their bundle. I have nothing else to rely on....
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Yes. I've done all that. Their witness statement says that according to HSL. I did not defer between.1. 15-October 2004 15 December 2004. and 15 December – 14 March 2012. and March 2014- 19 July 2015. There is evidence that my deferment was accepted shortly after this first period and i was paying back 'arrears' but in any case aren't deferrments then backdated 3 months? the second one I am covered as was a masters student and there is documented evidence (in the bundle) that I deferred. I don't understand that one. The last one, they told me on the phone I was not eligible to defer anymore, this was after the threatening letters started Jan 2014... so why would I defer after they told me I couldnt? I've sent off to court, emailed and sent to solicitors.. I can only wait.. If it goes against me can I appeal?
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Yes. I see.. I got in touch with the court and they said just to submit it today and hope that the other side would not ask the judge to disregard...
