County Court Judgement/Howard Cohen

[penniesfromheaven]

Apologies if I have posted in the wrong place.

 

My husband had a store card which we ran into difficulties with and began to pay £3 a month as opposed to the £12 which is all we could afford. The payments were sent to CL Finance. These payments of £3 were cashed until June 2012 when we received a letter from Howard Cohen stating County Court action would be taken unless we could offer a higher payment. We politely wrote back explaining this was not an option and two weeks later a County Court form arrived from Northampton.

 

We filled this out acknowleging we owed the money, filled out an income and expenditure form as requested and stated the monthly amount we could afford. We sent the form back to Howard Cohen within the time limit and a few weeks later received an Order from Northampton stating that they had entered judgement in favour of Howard Cohen and installments had been set at £288 per month! The Order stated that we had 14 days to apply for a Redetermination Hearing if we could not afford the instalment amount set.

 

I cribbed a template letter from this site, emailed it to Northampton County Court asking for a Redetermination Hearing and continued to maintain the £3 a month payment to Howard Cohen.

 

Weeks later we received a hearing date for a Redetermination Hearing for judgement to be set aside at our local County Court which my husband attended last week 31st October 2012. Howard Cohen sent no representative and the Judge agreed that the £3 a month was acceptable which was a huge relief!....however in this morning's post is a letter from Howard Cohen arrived stating that:-

 

"You have already been advised that Judgment has been obtained against you in the .......County Court claim number >>>>>>>>>>

 

You have failed to maintain repayment under the Order as instructed by the Court.

 

Unless you pay arrears of £432 immediately to Lewis Debt Recovery we will instruct the Court to take one of the following actions:

Send Bailiffs or apply for an Attachment of Earnings Order

 

Once payment of the arrears hasw been made,the judgment will be satisfied and you will be able to apply to the Court for a Certificate of satisfaction which may improve your credit worthiness!"

 

I am very confused as I thought the whole point of applying for and being granted the Redetermination was to set the installment amount at a realistic level; and if the judge has agreed how can Howard Cohen continue to hound us? What do we reply? Please help the stress and panic is beginning all over again.

 

thank you

[AndyOrch]

Ignore pennies follow the Court Order...it takes HC 3 weeks to catch up. (File and store safe for further ammo.

 

Regards

 

Andy

[penniesfromheaven]

Thank you Andy for your prompt response; so just completely ignore this letter - presumably the Order will be sent from the court to both ourselves and Howard Cohen which should then shut them up?

 

thank you

[AndyOrch]