Hi all, Delighted to be here. I have been involved with credit card and loan companies totalling about £80K, numerous DCA's etc for over a decade now and not been collected on yet, and will be happy to contribute here in future with my experiences etc. I do have another situation for which I would appreciate advice. Myself and my son jointly just got a CCJ against us for what the claimant claimed were fake goods but in fact were genuine - we were basically ripped off to the tune of a total of nearly £9K including expenses. The judge ordered full payment in 14 days. I have zero capital and a very meagre income of a few hundred pounds per month to live on - my daily food budget is just £1 for example. My son has zero income and zero savings. I am filing N245 forms for each of us offering a very minimal monthly payment for me - which I cannot afford, and zero for my son as he has no income. Questions: 1. How long does the entire N245 process usually take? 2. Can the claimant pursue enforcement while the N245 are being processed? I am assuming that the claimant will refuse my offer, it will go back to the court who will presumably set an affordable monthly payment which they claimant will probably reject and file for a redetermination. If it is too much I would file for a redetermination. My concern is that I am shortly going to be abroad for 2 months and not in a position to process any paperwork, although my son will receive it. I am particularly concerned that the claimant might use an HCEO while I am away. The only asset of value is my car and that does not have much value, but I still need it. Any insight in to time scales for this process to grind through the court system would be much appreciated so I am aware of what I am up against. Thanks very much.

Hi - work for the NHS and we are being transferred at the beginning of March (approx 5 weeks) to a social enterprise - the planning has been going on for sometime - we had first meeting with current employers (after we nagged them) and then nothing until week when we have been given 7 days notice of a meeting re the proposed transfer .... (actually this is the only contact we have had - 1 meeting in Nov and notice of this meeting....) Quite a few of us can't make the meeting, it really is rather short notice and I wondered if anyone had thoughts on how long would be reasonable timescale for consultation over this. our planned rotas are no longer available for us to see - we aren't sure what we will be doing in march. the word TUPEd has disappeared out of letters from our employer.. however have dire memories of TUPE from 9 years ago