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pocketstapler

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  1. You won't have to go back to court if you keep to the terms of the suspended order. If you fail then the lender may apply to execute the order, but you will have the chance to ask for the order to be suspended again using court form N244
  2. No.....But DO NOT pay for advice...It's all available for free.
  3. You will need to fill in N244 to vary the terms of original suspended order. Would also help if you complete a full Financial Statement & a Debtlist. Both these can be sourced from National Debtline, CAB or Stepchange.
  4. Kensington will seek enforcement of eviction at court. You MUST attend and make your case with a renewed offer of Mortgage plus £x per month. The Judge will suspend the order again on said terms if he deems your offer viable. You should seek help from your local Money Advice Centre or Citizens Advice Bureau immediately. If none local contact National Debtline ( Just Google them for contact details. All provide free help. Contact them ASAP> Good Luck.
  5. You gotta love RBS..............Poor sods can't get ANYTHING right !!
  6. You MUST go to the Court Hearing. If there is a Free Duty Adviser in court speak to them - they will negotiate & represent you in court usually. If not go into the hearing yourself equipped with a financial statement (U can download one free from CAB or National Debtline) and your reasonable offer of repayment (i.e. Current Mortgage plus £x per month off the arrears - also the date you can make first payment) Unless the Judge is a bit loopy your offer will be accepted. Also if no Free Adviser in court ask the usher to point out the Bank's solicitor and put your offer to them - Often he will agree terms before the hearing - don't be bullied or feel intimidated, if they don't agree to your reasonable offer just put it to the District Judge in the hearing. If your offer is reasonable given your circumstances 99.9% of Judges will allow it. Good Luck
  7. YW.......but DO phone National Debtline or CAB for reassurance............debts & threats can be VERY stressful and they will put your mind at rest. Best of luck!
  8. Have to say ...........There is Very rarely any mileage to be had from ANY form of dialogue with a bailiff! Also have never known bailiffs to try and recover any charges if the debt is paid directly to the Council. Even if Council refuses to negotiate make payments to them anyway, not to bailiff. DO seek advice from CAB etc
  9. Get advice from CAB etc. If you want further info on debt NEVER bother with the bailiff, your son needs to call the relevant Local Authority's Council Tax Dept.
  10. I assume it's a Council Tax or Magistrates Fine debt. Do NOT let bailiff in (They have no right of entry unless you let them in on one occasion). Ideally do not answer door. Seek full advice from National Debtline, CAB, CCCS etc. Good luck.
  11. You do NOT have to pay either...........disabled bays outside residential properties are NOT enforceable.............contact your local council
  12. Yep - Usual procedure. There should be a duty solicitor in court when you attend - make sure you ask to see him when you book in at court. Representation will be free. Good luck m8
  13. You may be able to keep your benefits if you have essential house repairs etc.........but seek advice regarding 'deprecation of capital' first from CAB or other advice agency.
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