Please help - I need to stop the bailiffs coming (and then sort everything else out)
dollyrocks
Posts: 162
Forumite
Hello all.
I have got myself in a mess and I desperately need some help sorting it out.
Have been in debt for years - started out as very much not my fault (!!!!less ex husband faking signatures etc and then leaving the country) but now, well, very much my fault. I had, however, got it under control - had a DMP with Stepchange, felt so much better about life, all going well.
Then hit a bad patch, a little rough mentally - not really serious mental health issues but enough to end up with some bad decisions including a mild gambling addiction, some payday loans that I really couldn't afford to pay back and stopping the DMP payments, which led to it being cancelled.
Have tackled the gambling issue - it wasn't terribly bad but I think it could have gotten much worse. Have banned myself from all online gambling apps and websites and don't feel even slightly tempted.
I was sorting out another DMP, a self-adminstered one (found online via NE Derbyshire CAB) and it was going well but I'd sent out letters to say I was setting it up and then hadn't got any further - I know it sounds like I'm making excuses (and I am...) but I work so hard and have a massive commute, it all just got on top of me. I have ended up with a couple of CCJs, one of which I sorted out, and one which I thought I had sorted out but obviously I haven't as this morning I received a Notice of Issue of Warrant of Control.
I owe £1,858.78 on this one. There is absolutely no way I can pay it, there is nothing to be done. Nobody to borrow from. Nothing to sell to get the money - no car, nothing.
With it, is a sheet saying I can call the court to make payment, or to arrange a possible payment plan. I want to set up a payment plan - but how likely is that? And if I can do it, will it stop the baillifs coming or do I need to do something else?
Should I be contacting the creditor as well as the court?
Obviously I have some serious sorting out to do (I've got two more CCJs which I was going to start dealing with on Monday). I want to go about setting up the DMP again. But I need to deal with this immediately.
Can anyone advise on what I need to do right now? Then I will get on to sorting everything else out...
I have got myself in a mess and I desperately need some help sorting it out.
Have been in debt for years - started out as very much not my fault (!!!!less ex husband faking signatures etc and then leaving the country) but now, well, very much my fault. I had, however, got it under control - had a DMP with Stepchange, felt so much better about life, all going well.
Then hit a bad patch, a little rough mentally - not really serious mental health issues but enough to end up with some bad decisions including a mild gambling addiction, some payday loans that I really couldn't afford to pay back and stopping the DMP payments, which led to it being cancelled.
Have tackled the gambling issue - it wasn't terribly bad but I think it could have gotten much worse. Have banned myself from all online gambling apps and websites and don't feel even slightly tempted.
I was sorting out another DMP, a self-adminstered one (found online via NE Derbyshire CAB) and it was going well but I'd sent out letters to say I was setting it up and then hadn't got any further - I know it sounds like I'm making excuses (and I am...) but I work so hard and have a massive commute, it all just got on top of me. I have ended up with a couple of CCJs, one of which I sorted out, and one which I thought I had sorted out but obviously I haven't as this morning I received a Notice of Issue of Warrant of Control.
I owe £1,858.78 on this one. There is absolutely no way I can pay it, there is nothing to be done. Nobody to borrow from. Nothing to sell to get the money - no car, nothing.
With it, is a sheet saying I can call the court to make payment, or to arrange a possible payment plan. I want to set up a payment plan - but how likely is that? And if I can do it, will it stop the baillifs coming or do I need to do something else?
Should I be contacting the creditor as well as the court?
Obviously I have some serious sorting out to do (I've got two more CCJs which I was going to start dealing with on Monday). I want to go about setting up the DMP again. But I need to deal with this immediately.
Can anyone advise on what I need to do right now? Then I will get on to sorting everything else out...
0
Comments
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Hi,
What is the debt for please ?
If the bailiff has not been in before, do not allow them access, they can enter through an unlocked door, so be careful.
I would contact the court ASAP, no one else, and get an arrangement in place.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
As this is a ccj with a warrant of control from (presumably) the county court, you can suspend the warrant and vary the order using an N245.
There may not even be a cost for this if you are on a low enough income as determined by the EX160 form.
This factsheet explains.
https://www.nationaldebtline.org/EW/factsheets/Pages/stoppingbailiffaction/countycourtbailiffs.aspx
However you are then going to have to build your dmp (and NEDCAB is a good tool) around whatever the court orders you to pay on this now-priority debt. Plus you have another ccj with probably no instalment arrangement which also needs to be sorted.
You do need to take advice to see if a more formal route like a DRO or bankruptcy would work better for you.0
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