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Billy Williams

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  1. Not knowing, one way or another, is not great! Lady from the MRI scanner dept, said they can scan people up to 70cm dia, I am about 50cm. I will ask about the PET.............thanks.
  2. Thank you. A series of blood tests in relation to diagnosis of possible prostate cancer, which have proved inconclusive, and have been going on for months, is something that seems to have meant, I can't think straight at the moment. I am very grateful for your reply............. The debt charities, I have spoken to, have been of little or no help.
  3. The case is to do with outstanding energy charges, of some £4800, and judgement was entered on 20/6/22. In the course of the 7 year dispute that preceded the court judgement, the claimant made 2 offers of payment to the defendant, and one to a third party, who was not directly involved in the dispute. It seems I was wrong to understand that the various offers of payment, suggested any admission of liability on the part of the claimant, but cannot be sure of that as I have no legal knowledge? The claimant has refused to clarify the reasons for the offers of payment, or why payment was offered to a third party. On 18/07/22 a late payment charge of £382 was added to the account, even though the defendant had submitted an N245 to vary the original order (£4800 within 13 days), which was dealt with at a further hearing which took place on 18/11/22. At the final hearing, a payment arrangement was suggested, and was agreed to by myself. In March this year the claimant decided to engage the services of a debt collector, even though the account was not in default, and the payments had all been made on time. Next I lost the claimant account details, which I was using to make payments in cash, at my local post office. The claimant refused to send me the required details for several months, so I started to pay by cash sent via signed for delivery, not wanting a default situation to ensue. According to a screenshot of transactions, up until May 7th 2023, some of the cash payments were accepted, and others returned. The claimant refuses to provide any sort of statement of account, as required by the Ombudsman. On 10/8/23, the claimant obtained a writ of control, from the Coventy District Registry, which I would assume is related to submissions concerning non-payment? I have submitted an N244, asking for a stay of execution on the writ of control, outlining that the payments have been paid, and that Royal Mail information supports this. Having suffered from poor mental health for more than 50 years, the thought of losing my only form of income following a visit from the bailiffs (who have been instructed not to entertain any offer of payment), has made these issues much worse. I cannot afford to pay the £3425 now required, or the additional fees that will also be involved. I apologise for posts which probably seem rather rude and arrogant, but not having been able to sleep properly for nearly a week, and having no idea of how to proceed, really has made things extremely difficult.
  4. Wonder if there is anyone on here who can assist with a question related to CPR? I simply cant afford £300-500 a solicitor would charge, and would be very grateful if anyone can assist? The specific question is, what action should be taken if it appears that a party in a civil case, has made a submission, that they are fully aware is not true? Could this be seen as contempt of court, if there were evidence to prove that the submission was partly or wholly untrue?
  5. Following a CCJ, is it viable for a claimant to make a late payment charge of £382, even though the defendant had made an application to vary the original order, and the payments to be made, would not be determined by the court for several more months? In respect of making an application to obtain a writ of control, is there any requirement to sign a statement of truth? If such an application is made, using a submission which is knowingly untrue, could this be seen as contempt of court, even if the applicant is not legally qualified? If it appears that a spurious submission has been made, what would be the best way to address this? Unfortunately, it has proved quite impossible to get any legal advice on these points..............at least not from any of the 6 local solicitors I called earlier today? I would have thought it should have been possible to answer those 3 questions, within the time frame of a £200, 30 minute interview? Many thanks, to anyone who can maybe shed some light on these things.
  6. Quite so. The court manager that told me that the fee was £275, and my local court does not fulfil the functions of a District Registry, called me earlier and told me my 244 application was being actioned! It seems to me that if the claimant has made submissions related to obtaining a writ of control, which they are fully aware are not true, that this seems to suggest contempt of court? Wonder what views are on this?
  7. Thank you. The N244 notice application can only be dealt with by a high court, I was advised today that my local combined court did fulfil high court duties, but after submitting the completed N244 by hand (I can submit by email, but as the court can only rarely be contacted by phone, was not sure how to pay the fee?}. It turns out that what I was advised about the local court, also being a district registry (High Court), was not the case, and that the EX50A which suggests the N244 fee is £14, incorrect and that the actual fee for making an application for a stay of execution related to the writ of control, is actually £275. The provider refuses to provide the statement of account required by the Ombudsman, and the only information I have regarding the account is a screenshot, that was provided by a member of contract staff. That denotes that some cash payments have been accepted and processed, while others have been returned, and it also shows a charge of £382 having been made in relation to late payments? I was not advised of the £382 charge, which was levied soon after the original judgement was made, and some months before the matter returned to court, for payments to be determined. Whether it's acceptable to make such additional charges, after an application to vary the original order of the court, had been made I am not sure, but would have imagined that there is some requirement to make the person being subjected to such charges aware of the charge and why it has been made? I am very grateful for any advice you can provide on this, as there isn't much possibility of my obtaining the amount demanded by next week!
  8. Thanks, I will try a SARs, but get the feeling the writ of control is likely to get enforced quite quickly, and as they have refused the Ombudsman request to provide a statement of account, not sure what they will provide in response to a SARs? Sorry, I have no legal qualifications or knowledge, so no idea what the abbreviations you have used mean? As both the bailiffs and the claimant have ignored information provided to them about my health, is this something that is acceptable? I am not sure if the "National Debtline" fact sheet on writs of control is accurate or not, and if it is, the idea of a 244-mile round trip to appear personally, and the £275 fee required, to delay the writ being implemented, is very worrying to me? Judgement was made last summer, I was acting as a LIP, and in advance of the hearing, I made several SARs requests. No records of telephone conversations were provided, nothing regarding 3 "investigations" into complaints, and no disclosures of internal communications regarding myself. I am not completely sure if there is a requirement to disclose call transcripts, or to provide details of investigations to the Ombudsman? Would I be right in thinking that the various debt charities, have business relationships, with entities such as enforcement agents, and credit reference agencies ? Thank you very much for taking the time to reply to my ramblings, which I would guess probably strike you as pretty silly?
  9. As the claimant has ignored the Ombudsman instruction to provide me with a statement of account, and refuses to clarify why some cash payments have been accepted and others returned, I dont have any accurate idea of the arrears? Had all the payments been accepted, then I would have been in credit. The bailiffs have advised they have been instructed not to offer any sort of payment plan. They have ignored medical evidence outlining my current state of health, and like the claimant seem to understand that being off work with illness, for several months, should not affect my ability to pay (sick notes from my GP have been provided to them). I have tried very hard to prevent the account getting into arrears, and will be sending more payments tomorrow, but feel that without proper legal advice on what to do next, very soon my life is going to get an awful lot worse very quickly. It seems surprising that there is no legislation which obliges those in the debt enforcement industry, to consider long term health problems of debtors, before implementing actions, which in some cases, are likely to destroy the lives of debtors, subject to such actions? Finally, I wonder if anyone knows why the sum of £1350 has been chosen in relation to value of exempt goods, when the agents come to call? In common with millions of others in the UK subject to debt judgements, the fact that no legal help is available, means it's very easy to get into the situation I find myself in now.
  10. When a writ of control is enforced, it appears in the case of a business, it is seen as appropriate to take everything, other than tools, equipment, vehicles, used in the business, which are valued at £1350? P ossibly 20/30 years ago, it might have been feasible to operate something like a window cleaning business, with a used vehicle, ladder, buckets and sponges etc, with a value of less than £1350? Today it would be quite impossible to stay in business with only £1350 tools, equipment, vehicle, after the enforcement agents have visited, so I wonder what the point of the exemption is?
  11. Sole trader. In this case, I was forced to pay using cash, as at the moment it is my only option! As I have been unable to work for several months, and I am feeling very unwell, I cannot afford £275, and am not in a position to make the required 244 mile trip, to the issuing court, which is required when a writ of control is being challenged. The provider has refused to comply with directions from the Ombudsman, in relation to providing a statement of account, which I feel certain would clarify the fact that some of the cash payments have been accepted and processed? I am not familiar with getting a warrant which enables payment by cash? In my case, payments in this way were only intended as a purely temporary measure, to ensure I did not fall into arrears. This was made very difficult by the claimant refusing to provide me the details (which I had lost), that were needed to pay cash to them over the counter at my local post office.
  12. The provider is EDF, and from what I read online, other than very involved applications, and the need to make a 244 mile round trip to attend court, its impossible to challenge a writ of control? The writ issue date was 10th August, and I was notified of the issue on the 25th.
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