Backdoor Cabot RBS Card CCJ - now Attachment of Earnings order... any advice on my options?

[james2222]

Cabot purchased an old (circa 2010) credit card debt/default from RBS.

 

A few months ago,

having sent all communications to an address I left over a year ago,

they won a CCJ as I had no idea this was in progress.

 

Court has now sent me the attachment of earnings form ( this was handed to my old neighbours who I've kept in contact with

, by the occupiers of my old house (rented property) as they noticed 'it looked legal'. That's how it got to me.

 

The "must return by date" was 17th March but due to sending to my old address I didn't actually get it till 19th March.

 

I returned it first class the same day as I didn't fancy 14 days in prison ..

. which was the warning written boldly on the form as penalty for not returning.

 

I did include a letter explaining why it was late as they had used an old address.

 

My situation.

I'm 63, self employed but haven't worked for over 2 years.

 

I manage to live on an old occupational pension ... not exactly a huge amount

but I can go out once in a blue moon so not quite on the bread line.

 

I don't own a home .. rent takes up a big slug of my monthly pension money.

 

I read somewhere there can't be an Attachment if you are self employed.

 

It still said I had to complete the form even if unemployed.

 

When I filled in the form my outgoings were same as income ..

. however I assume most people filling in these forms will try to max their outgoings and I've no doubt court knows this.

 

Any idea what happens next.

 

 

I certainly can't afford any real big payments ..

. if it was a few £'s per month I'd manage .

.. but debt is over £5k, so I doubt they'd go for a few £'s per month.

 

I have precious few assets .

.. a 14 yr old car with over 200,000 miles on clock (worth about £500) is perhaps my biggest asset.

 

Will the bailifs come knocking.

 

Any advice or information would be most welcome.

[dx100uk]

I assume you did not inform your creditors of your change of address?

 

so sadly I can see little chance of you getting the CCJ set aside

unless you can prove cabot knew your current address

 

however you were self employed..they cant use AEO!

[Andyorch]

Attachment of Earnings Orders are not applicable to self employed...just inform the court of your employment status.

 

Regards

 

Andy