My husband is doing a full house renovation after a house fire, the customer he knows and has done previous work. He was asked to sort all this out and project manage the job and other sub contractors. The insurace would only pay out / or let him be the contractor if he was VAT registered the customer said so we quickly did this as we would have been doing it in a few months due to threshold , we have an accountant who is doing all books , VAT etc.They initially said if he wasnt vat registered they would only pay the sum minus vat The VAT number was given to the customer and then the insurance who then said they would pay out the claim minus the VAT and pay that at 3/4 of way through on receipt of photos of work / invoices. The customer is deducting 20% off every invoice we add , materials and labour. Shouldn't the customer be paying the invoiced total and then await the rest of their money 3/4 of the way through. It isn't for the contractor to be at a loss while going through the work / cash flow issues as he still has to be out Is this right?? just unsure at present

All ok still with this but i emailed the accounts dept of the company to ask for a copy of the account forms / application - ( cant think of the word ) and no reply twice to my asking. My husband cant remember if he signed anything - should i persue this if they dont have one

Hi did this and its worked - he said this The 14 day notice period given by HCEO expires on 27 July. The next instalment is due on 31 July. Assuming this is paid (by standing order) by that date we will call off HCEO. Obviously if future payments are made by standing order they cannot be missed. Please note if any future payments are missed, we will reinstruct the HCEO without further notice and if that is necessary any future payments would have to be via HCEO. This would incur further costs for which Dean would be responsible. Finally, as you will be aware from the notice received from HCEO the amount outstanding after deducting your recent payment is £3138.86. I asked if proof could be sent of action called off, is that right? I also made payment now and sent proof from bank .

and say what? i was told not to talk to them and i had an answer phone message saying i was late paying thats why its gone to hceo

my payment are all up to date i dont want to deal with any HCEO , i have adhd and massive anxiety, i won't sleep if there could be a chance of a visit. The HCEO only set up a payment plan if they can come visit and there is charge for that and controlled goods agreement so far i have dealt with the solicitors before they applied for writ

if they dont have one or dont reply - can i say on my n244 that i believe it to be under CCA and have asked for a copy of credit agreement as we never got one only a welcome letter

thank you so do i do a n244 for stay of execution and also submit an n245 to vary or just leave it at the n244? so sorry to ask questions

if you could help me i feel really lost and urgently need to send today need to fill in n244 and email in and pay today i dont know what am writing?

I’ve sent an email asking for this to be sent. so plan is to send n244 to ask for stay of execution. do I need to also send n245 to vary anything ? it’s all a bit overwhelming . I want to stop any action then will act on the CCA if needed.

Don’t have a copy of agreement as it’s all happened in last few days I thought we were paying the £50’a month . I didn’t know about CCA so it’s only down to some researching that it could most likely be covered but I won’t know for definate till get a cooy

do you agree with what was said? not sure about the cca - he said it would only be covered if it states it in the credit agreement - which we dont have one - only a letter saying It was set up and we had a letter saying we have opened a credit account for you , your credit limit is £5000 if you find this insufficient please contact me and we can come to an amicable agreement . Then it just has conditions of sale attached to it with details about buying of goods etc i can ask for one but on my covering letter can i still add about the debt is under the CCA i want to suspend action and then fight for the fees added. interest is being added daily now its with HCEO

ah right , i only had a letter from the enforcement company. I wanted to get it sent today but cannot believe how hard it is with so few details

its a probate telephone number and the woman on phone said to email liverpooldprenquiries@justice.gov.uk and ask?? This is a nightmare

thats the probate one is that right? ill try. When i send do i do it by post ( next day signed for )

also i will get hold of original form - but here on a claim form i have it says in particulars of claim ( amount is with interest and £70 compensation ) they claimed interest under section 69 of county court act at rate of 8% a year from 2019-2020 on £311.60 and interest at same rate up to date of judgement or earlier payment at daily rate of £0.72 plus the £70 plus fees of legal representative and county court fees what address is liverpool district registry - thats all it says..

The enforcement guy at liverpool said it would be local court , i said not but he said it was ??? who should i call for right address

I dont know the address - its really unclear? if you type in Liverpool district registry it comes up as a probate court , or theres the civil and family court? if i send to wrong place it causes a big delay .

Thanks so much , going to do now . Is it online or do you print the n245 off and send to court who issued the writ?

The £50 a month i think was what we asked to pay and agreed by court I dont necessarily need to lower it but i do want to stop enforcement action

No i havent seen one for any of the previous owners of the account / debt

Hi yes n245 has all those details but no box / space to write an explanation at all? would i write a covering letter as they obviously believe it is enforceable by HCEO and the court didnt check that the debt was valid to be enforced by HCEO?? so if the court or the solicitors arent aware then how they going to know be made aware if i dont reference it as i dont want it to be rejected and then the HCEO turn up and i am trying to say its not enforceable by them but they won't go and i should have already addressed this - they will just say they are acting on the writ they were given I contacted the solicitors friday as soon as letter came asking for a call back - havent engaged since only had a voicemail. my proof is it is a trade account ..and i found out by accident that a sole trader is covered under CCA ? Protection under the Consumer Credit Act If you operate as a sole trader you are also protected by the Consumer Credit Act, under which you count as an 'individual'. This applies to partnerships and unincorporated associations. The Act extends consumer credit regulation to business lending where the amount of the credit or hire agreement is £25,000 or less. The Act does not apply to: limited companies limited liability partnerships individuals of 'high net worth' (as long as this is agreed in writing beforehand). If you have a credit agreement that is regulated by the Consumer Credit Act 1974, your creditor has to make a claim against you in the County Court. They cannot apply to enforce the county court judgment in the High Court. The High Court is most likely to be used by creditors for claims over £100,000 for debts not regulated by the Consumer Credit Act 1974.

I am just adding all fees to sheet and hoping to have finished soon so can hit them with it all. Ill need some help soon to word a letter to them and work out how to handle it all. I am so grateful to you for your patience and help so far.

no they havent visited ive included the letter further above. on the n245 there didnt seem to be a space to write why wanted to vary the order or suspend action. I havent sent yet. I assume i print off send to the court and await how to pay the £14 unless theres a way to send electronically . Perhaps i could send a covering letter to show why wanted to vary and include details about CCA

Why do I put reason to vary amount? Do I include details of it being covered under cca on there ? I don’t want it to be turned down. Need to ensure it’s agreed and accepted and if the party we owe money to don’t know we know about the cca and that they shouldn’t use HCEO then they may say no to the amount. They obviously want the money back quicker as we’ve been paying what’s been agreed just late paying a few times

let me know if its not clear enough ill take a picture again. Do i email the solicitor tomorrow too as they can call it off cant they? Yes ill put an n245 in. Do i reference anywhere about the debt being covered under CCA and HCEO shouldn't be used IMG_3844-1redacted.pdf