lowell Cap1 Card CCJ - Warrant of control help!

[Andyorch]

also you have to pay to use that adobe e signature thing

 

You can download free Adobe Acrobat Reader DC free...this has a signature verification button....

 

https://acrobat.adobe.com/us/en/free-trial-download.html

 

do you know of any budget tools i can use to help me with the expenditure

 

You really shouldn't need any being on benefits and exempt from fees.

 

Andy

[Beckz1205]

You can download free Adobe Acrobat Reader DC free...this has a signature verification button....

 

https://acrobat.adobe.com/us/en/free-trial-download.html

 

You really shouldn't need any being on benefits and exempt from fees.

 

Andy

 

well because i live with my parent, i pay £100 board, phone bill, internet, buy food, clothes, money i owe other debts etc money i owe family, and extra expenditure like birthdays

 

Also when I have completed the form, what should I include in the email I send to the court?

[Beckz1205]

Not to sound like a bit of an idiot but the I/E bit is quite vague so do I need to group things together?

[Bailiff Advice]

Not to sound like a bit of an idiot but the I/E bit is quite vague so do I need to group things together?

 

The income and expenditure on the N245 should be fairly easy to complete. What are you having difficulty with?

[Beckz1205]

Do I need to group things together- like housekeeping. My outgoings are £100 board, mobile phone, internet, food, clothes, money I owe other debts, money I owe family and extra expenditure like birthdays or going out etc

[doggone it]

Looking at Section 7, Expenses and from what you say:

Mortgage - 0

Rent - 0

Council Tax - 0

Gas - 0

Electricity - 0

Water Charges - 0

You have no accounts for any of the above which is why your expenditure is £0 in each category.

 

TV Rental & Licence - you can make an entry here providing you are paying for your own licence or renting a TV in your own name

HP Repayments - if you are making HP repayments then total them here

Mail Order - if anything from the likes of catalogue companies goes here

 

Housekeeping, food, school meals - total what you pay for board, food school meals here - use either a weekly or monthly figure

Travelling expenses - bus fares, rail fares, taxi fares or other costs involved in travelling

Childrens Clothing - what it costs to renew/replace any clothing for the children - make sure you put a figure in here even if only minimal

Maintenance Payments - assume this will be £0

 

Others

This a box where you can enter another 3 lots of expenses, if not enough room then an extra piece of paper will be needed.

Phone & Internet

You can list what you you other family members but unless there is paperwork to back it up it may not be taken into consideration.

 

Section 9 Court Orders

List any other Court Orders here

 

Section 10 Credit Debts

other credit debts - Credit/Store Cards/Loans etc

 

Section 8 Priority Debts

You can put debts you still owe for any of those listed if you are in arrears with any of them.

[Bailiff Advice]

Excellent advice from doggone.

 

Beckz, after listing down your expenditure, what is the surplus figure?

[Beckz1205]

I have listed my board under rent so that's not correct.

 

Also as I get £204.30 esa every two weeks realistically I come out with 408.60 a month to spend. But when filling out a budget tool it is saying I get £443 a month?

 

Looking at Section 7, Expenses and from what you say:

Mortgage - 0

Rent - 0

Council Tax - 0

Gas - 0

Electricity - 0

Water Charges - 0

You have no accounts for any of the above which is why your expenditure is £0 in each category.

 

TV Rental & Licence - you can make an entry here providing you are paying for your own licence or renting a TV in your own name

HP Repayments - if you are making HP repayments then total them here

Mail Order - if anything from the likes of catalogue companies goes here

 

Housekeeping, food, school meals - total what you pay for board, food school meals here - use either a weekly or monthly figure

Travelling expenses - bus fares, rail fares, taxi fares or other costs involved in travelling

Childrens Clothing - what it costs to renew/replace any clothing for the children - make sure you put a figure in here even if only minimal

Maintenance Payments - assume this will be £0

 

Others

This a box where you can enter another 3 lots of expenses, if not enough room then an extra piece of paper will be needed.

Phone & Internet

You can list what you you other family members but unless there is paperwork to back it up it may not be taken into consideration.

 

Section 9 Court Orders

List any other Court Orders here

 

Section 10 Credit Debts

other credit debts - Credit/Store Cards/Loans etc

 

Section 8 Priority Debts

You can put debts you still owe for any of those listed if you are in arrears with any of them.

 

As I live with a parent and pay £100 board, this includes council tax, water rates, tv etc. I buy my own food, toiletries etc. I don't have any children to buy clothes for, but obviously I buy clothes, shoes etc for myself

[Bailiff Advice]

Also as I get £204.30 esa every two weeks realistically I come out with 408.60 a month to spend. But when filling out a budget tool it is saying I get £443 a month?

 

Without going into your figures, what I will say is that, if you reveal a monthly suprlus figure on your N245 of for instance, £80 per month, the court would not accept your proposal to repay the judgment at £20 per month.

[Beckz1205]

Without going into your figures, what I will say is that, if you reveal a monthly suprlus figure on your N245 of for instance, £80 per month, the court would not accept your proposal to repay the judgment at £20 per month.

 

So what do you suggest? Does that mean Any money I have left over I have to use to pay them?

[Peterbard]

I would have thought you would have been pleased to do so because of course, you want to get the debt paid off?

[Beckz1205]

Not to the point where I have no extra money at all

[Peterbard]

You shouldn't have extra money. If it is for socializing etc. it should be included in your financial statement under that heading.

[Beckz1205]

I didn't say it was for socialising etc. I always like to have some kind of safety net for emergencies instead of having nothing and then having to borrow off family.

[Peterbard]

Then you put it under miscellaneous expenses or emergency expenses. Expenses aren't what you need to exist it is what you need, in a normal week to live., to a reasonable standard.

[Beckz1205]

Then you put it under miscellaneous expenses or emergency expenses. Expenses aren't what you need to exist it is what you need, in a normal week to live., to a reasonable standard.

 

ok I have done that. just a question, what if i have other outstanding debts but i have not sorted out a payment plan with them yet?

 

 

 

i was in the WRAG group esa, and i have just completed another medical questionnaire and i am waiting to hear from them. I havent had incapacity benefit or similar

[Beckz1205]

so how much do i get extra for it? will it be on any forms i have from the job centre regarding my esa?

[Beckz1205]

how do you find out if it is statute barred?

[Mr Tureaud]

how do you find out if it is statute barred?

 

I took you through this on Sunday. Its an N244 to get judgement set aside on the grounds that it was a default judgement and you believe it may be SB. If the court accept it you then follow a procedure under the Consumer Credit Act that will require Lowell to provide proof of the debt. If they can't provide the required documents then the claim is thrown out.

[Peterbard]

Hi if you have other outstanding debts which are not currently being actioned. I would ignore them. If they turn up later, you can ask for a modification of your I and E to be accepted if needed.

[Beckz1205]

how would I be able to find out when exactly I defaulted on the payments?

[Beckz1205]

I have just logged onto my Lowell account out of curiosity and now on my account I am able to set up a payment plan. Before it just used to say that the debt was with lowell solicitors...does this mean anything??

[dx100uk]

not really

if you want to find out your last payment date

go ring cap1 and ask

[Beckz1205]

so it won't be on a credit report or anything?

[Bailiff Advice]

I have just logged onto my Lowell account out of curiosity and now on my account I am able to set up a payment plan. Before it just used to say that the debt was with lowell solicitors...does this mean anything??

 

Its certainly a shame that you had not taken heed of the advice that I gave 2 days ago for you to call Lowells.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?479694-lowell-Cap1-Card-CCJ-Warrant-of-control-help!&p=5046160&viewfull=1#post5046160

 

The fact remains, a warrant has been issued and to avoid a personal visit from the court bailiff, you need to make an application to the court.