Thank you so much for putting my mind at rest, the little so and so's really do mess with your head I can breath a sigh of relief.........

So we came home yesterday to this lovely letter from Robinson Way, should we just ignore it ?

Thanks for merging everything. The status is not Stayed. The last entry on the history shows my defence received 6/10/2016. Can I definitely ignore it as it’s nearly 3 years old ?

The old one please

Yes that's me and I have found a post relating to the exact amount Robinson Way are now trying to recover, I knew it rang a bell......... I have looked on MCOL and can see the defence I sent back in 2016 whic was never replied to.

You helped me around 3 years ago with a number of debts my BF was being chased for. Sadly one of those went to a court order before I had the chance to step in and ask for your help, we went to court and were ordered to pay Robinson Way per month which he has done ever since. In the last two weeks somehow they have managed to obtain his mobile phone number and have been trying to call and text him regarding another debt they want to collect, he was told the figure £710.63 but no other information, I am fairly certain I dealt with this one with your assistance previously. They also sent a letter informing him the debt he is paying via the court order is being moved to a different company. When he received this letter he was confused and panicked that there may be a problem and called Robinson Way to check, he asked how they obtained his number as he has never given it to them or the court. There was no problem, the letter was simply for information only, however as they had him on the phone they took the opportunity to speak with him about the £710.63 they want to recover and told him if he didn't respond by the 21st or it could have been the 23rd October they would send debt collectors to recover the amount. Can they do this ? When you helped me previously I'm sure they had to send paperwork first through the small claims court as the first part of the process, has this changed ? I tried to log in with my old log in but couldn't probably because I haven't used it for so long (I set up this new log in, I am still not very good at this thread thing so apologies if I have already done something wrong)

Court was interesting, the judge ruled that the AOE would be suspended and he reduced the monthly amount to an affordable figure, as long as my other half agreed to pay the four months in arrears by the end of the month and then monthly which we have done and will stick to. He did suggest we should write to Howard Cohen to request the paperwork for the debt if we had not had the opportunity to do so, I explained we did not receive the paperwork before it reached CCJ. Would you agree ? Could I use and adjust the wording in the CPR31.14 I have sent for previous claims received ?

Hi Andy, thanks for putting my mind at rest, I will look forward to the hearing rather than dreading it

We have a date at last ! 24th February for a 10 minute hearing........ Never done this before, sounds like it will be very short and sweet, a hint of what to expect would settle my nerves and any advice gratefully received

I submitted our defence on 6th October and received a letter stating the Claimant has 28 days to respond after receiving a copy and if they do not respond then the claim will bemade "stayed". It has been 38 days since I submitted the defence, I have checked MCOL, the claim has not been changed to stayed, can I call or write to ask why it has not been changed ? Or do I just have to wait and keep checking it ?

Yes it's my BF signing

I'm really not very good at searching the library, sorry I have to ask, is this too short and sweet to send ? Account Number: xxxxxxxxxxxxxx I write in relation to my previous letter dated 14th September in which I requested a copy of data you have referring to my account number stated above. You have not responded to my request and therefore you have not yet complied with your obligations under the Data Protection Act 1998. The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the county court for an order to enforce compliance, together with damages at the discretion of the court. Yours sincerely, xxxxxxxxxxxxx

I sent a SAR to Churchwod 14th September, how should I follow this up ?

Credit file ? The letter for £323.54 mentions in the last paragraph "Unpaid accounts are usually highlighted on your credit file" Where do I find his credit file ?

Both says Lloyd Bank, no specifics but they do have an "Original Creditor Reference Number", one is £323.54, the other £7,041.16

My BF has just received two letters from First Credit, are they phishing ? Should we ignore them ? They were both sent to his old address, we have a redirection set up now for post otherwise we would not have received them. They start by saying: "Let us help you - you can repay **** over a period of time" Each letter goes onto provide details of two Lloyds debts they purchased in November 2013 with the offer to call them or complete forms they enclose to start making payments. As always I appreciate your help and advice.

We have come home today to two seperate pieces of mail, we are a bit confused. The first is an identical copy of the N64 (suspended AOE) we received previously which we already replied to, it even has the same date on, at the top it says it's from Basildon county court but has a Salford returns address on the back of the envelope! The second is a letter from Basildon county court, am I right that this means we now wait for a court hearing date ? The letter reads: Before District Judge Humphreys sitting at the County Court at Basildon......... (Address details) Upon reading a letter from the defendant IT IS ORDERED THAT Pursuant to CPR23.3(2)(b), this letter is deemed to be an application for review, and be listed for hearing. Dated 20 October 2016

Trying to find out the status of the N245 is proving very challenging ! I am being told the figures on the N56 have been taken into account for the calculations on the suspended AOE ! I have sent objection letter today so I guess we just have to wait now....... Will keep you posted

They definitely are on another planet........ Will this be ok ? Should I mention we never received the original paperwork for the claim and therefore have not been given an opportunity to defend it ? Dear Court Manager Case Number:******** I am writing to object to the Suspended Attachment of Earnings Order I received 15th October 2016. My reasons for objecting are: 1. I have previously submitted an N245 (copy enclosed) which was delivered by signed for post on 27th September 2016 and therefore should be in progress. I also completed N56 and returned as requested (copy enclosed). 2. The amount of £76.50 per month I am unable to pay which is detailed on my N245 and N56 I understand I may have to attend a hearing with the judgement creditor in order for the above to be reviewed. Kind regards

I have just got my BF to send an email to give permission for them to speak with me as he cannot call during working hours, I will call tomorrow to follow up, hopefully they will speak with me this time. Should we send off the objection tomorrow anyway ? Shall I draft a letter for you to look it over or is there one in your library I can utilise ?

Yes it reads: The court has made an attachment of order in the case. If it is served on the judgements debtors employer it will require him to deduct £76.50 per month from the judgement debtors earnings and send it to the court until £3632.39 the amount payable under the judgement or order, together with any interest (where judgement is for more than £5000 or includes a sum in respect of contractural or late payment interest, the judgement creditor may be entitled to further interest) has been paid, but not so as to reduce the judgement debtors net pay below £1145.76 per month. The Court Orders that the attachment of earnings order be suspended and not enforced so long as the judgement debtor punctually pays the judgement creditor instalments of £76.50 for every month, the first instalment to reach the judgement creditor by 30th November 2016 until the sum of £3632.39 referred to above has been paid. The court further orders that the service of attachment of earnings order on the employer be deferred accordingly. Dated 14th October 2016 If you (either the judgement creditor or the judgement debtor) object to the terms contained in this order, you must write to the court with your reasons. You have 16 days from the date of the postmark to do this. A hearing will be arranged and both parties will be told when to come to court.

Yesterday we received a suspended AOE (N64) from Basildon county court, no N61 has arrived as Andy had thought. It says we can object and must do so within 16 days of the post mark date (14th), do you recommend we do this ? Is there a specific format I should follow in writing to the court ? Please point me in the right direction.

As I suspected they won't speak with me, they say I have to get my BF to call and give permission for them to discuss with me. They did say the case has gone to Guildford, however would not answer my query about the N245 application or N56 arriving on time........ Not sure what to do as my BF can't make the 31 calls I made to get through during work, any suggestions ?

OK will do, getting through is the most challenging experience I have ever had, hopefully they will speak to me as my BF can't make calls like this from work......

No how do I do that ?