Lowell Claimform - Old Provi Doorstep Loan

[Andyorch]

Simple to complete the N56...2 mins job.

 

Complete 1

Complete 2

Complete 3 Unemployed

Complete 10 and tick the to suspend...reason unemployed and you could state submitting N245.

 

Then submit the N245.....end of the matter....if you dont.... this will go on forever.

 

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/722820/n56-eng.pdf

 

 

[Lady Python]

They've attached a form N56 which is similar to the one you've put a link to.

 

The N245 form.  Would that have to be sent at the same time as the N56 or at a later date please?

 

I'm not very good at this sort of thing

 

[Andyorch]

The N55 is notice that they have applied for an attachment of earnings

 

The N56 is your response....if you write in box 10 why you want to suspend Unemployed & submitting an n245...then complete send them together.The fee for the N245 is £50

[Lady Python]

Done.  Now we wait.

 

[Lady Python]

Hi Andyorch.  Todays good news is - the matter is now dead

 

Many, many thanks for your help and advice.

[Andyorch]

Excellent....dead ? Have you paid the debt off in full ?

 

Andy

[Lady Python]

No.  Court suspended it due to my being unemployed. 

The likelihood of me finding a job at 62, almost 63 now is remote so as far as I'm concerned, the matter is dead.

[Andyorch]

So did you submit an N245 and agree a payment plan ?

[Lady Python]

Didn't need to submit an N245. 

So long as I'm unemployed this is suspended and as I've said, at my age the chances of me getting work are very, very low. 

I looked at the N245 form and it was identical to the N56 form. 

I also took advice from the National Debt Helpline. 

They were very nice and helpful so if anyone's afraid of calling them, they needn't be.

They also told me that if I did want to submit the N245 I could also submit the form N160 which gives help with fees. 

 

I decided just to submit the N56 as requested, ticking the box unemployed as you suggested. 

The Court accepted that.  T

hey have left it open that should I find work then Lowells would be free to reapply to the Court which is what I expected. 

However, it is unlikely that scenario will arise so as far as I'm concerned, the matter is over. 

If the impossible happens and I do get a job, then I will deal with that as and when it arises.

 

Had I not been so careless in the first place by forgetting the Hearing date and gone to Court to fight my corner, then this would have been killed stone dead a couple of years ago. 

 

However, what is done is done but as the old saying goes, there is more than one way to skin a rabbit.

 

Again, thank you for all your help. 

You've been marvellous

 

 

[Andyorch]

The N56 only suspends the attachment of earnings order.....the debt and judgment remains.Now as long as you you dont own a home .they cant get a charging order but if your house is packed with goodies they can still try for a Warrant of Execution within 6 years of the judgment date.

 

Just an heads up as we dont want Bailiffs knocking at your door. 

 

With regards to the N245 its a completely different form to the N56 and a different purpose.The N56 is a response to an Attachment of Earnings and the N245 is to vary a CCJ from forthwith to monthly affordable payments.

 

And its the EX 160 not n160.

 

Andy

[Lady Python]

No I don't own my own home (I wish) and I have nothing of value. 

I've never been one for expensive stuff and don't believe in replacing something unless it breaks down and is beyond repair. 

 

We were once going to buy our house under the Right to Buy Scheme but before we had the chance to do much, late hubby took his first heart attack (one the docs call a "Widow Maker") so we didn't do it. 

Just as well because less than 7 years later, he was gone.

 

Maybe in the future, once my son gets the all clear from the hospital to be able to work again (he's going into nursing) then it might be a consideration but he would have to be the mortgagee rather than me

- unlikely I'd get a mortgage even due to my age, never mind a CCJ. 

 

My son doesn't owe anyone a penny. 

He's one of those people who if he wants something, he saves for it even though it takes him ages. 

He says he never wants to get into debt. 

He's been offered credit cards from the building society he's been with since he was a child and he's always turned them down. 

He's got his head screwed on the right way.

 

Thanks for the heads up though and sorry about getting that form number wrong.