Please Help Me

RAS

Hi

They can also be difficult to contact but NDL are open until 9pm so you can talk through the CCJ procedures with them.

WILL SEE IF THERE ON-LINE STUFF INCLUDES A GUIDE.

EagerLearner

Hi hun just a quick post to say I found these guys really helpful and it was free so you have another source of advice / info:

http://www.dawnadvice.org.uk/


I used them against an Evil Landlady, as well as the superfantasticamazing advice from the smashing folks here on MSE.

Good luck with it! We're all behind you x

In_Search_Of_Me

Just caught up...while sorry am not surprised that he upped the amount! I would let it go to court - he'll have to evidence his frauduent claim of 5000 and that there judge will be none to happy when they realise that its faudulent. You have proof, he doesent, plus theres the issue of him attempting to blackmail you (by threatening to tell your work) and the harassment by text so I would say bring it on baby!!
Can understand why you feel nervous though but try and reframe it into the positive that it has been..the little creep has enabled you to stand up for yourself, fes up to work and start really sorting with a dmp...all good things. Plus under the "what goes around" way of thinking he has it coming to him big!!
Just prepare all your evidence, as you have been, and take someone with you and he cant win! The only winner here is you!! Not what he expected but youve had the courage to stand up and have eeked loads of benefit from it and he'll just end up looking a t*t plus will have to pay costs...!!

RAS

Icanandwillsavemoney wrote: »

Thank you RAS. Can I ask.... is it ok for me to be represented by a friend or solicitor in the County Court?

As a Litigant in Person you are allowed to have a friend or advocate present your case. - not me being clever just checked the official terms with 10past6

Icanandwillsavemoney

EagerLearner wrote: »

Hi hun just a quick post to say I found these guys really helpful and it was free so you have another source of advice / info:

http://www.dawnadvice.org.uk/


I used them against an Evil Landlady, as well as the superfantasticamazing advice from the smashing folks here on MSE.

Good luck with it! We're all behind you x

Thanks for this link, will call them tomorrow as my payment goes out at the £25 rate to him so the proverbial s**t is about to hit the fan!

Their address is not too far from me either so even better news especially as they state on their site that they could represent me in court. I am nervous about that so that would be a huge bonus.

Thank you again, reall kind of you.

In_Search_Of_Me

At the end of the day he will just have to be a creidtor under your dmp and get what he gets! If he texts would simply respond that all correspondence should, due to his actions, now be via sols and any efforts to contact you by other means would be considered harassment and would be reported to the police along with the evidence to date...hugs for you!

Icanandwillsavemoney

Hi

I have received another letter from his solicitors and it looks as though they have realised their mistake in quoting £5000. However, they are still pushing me to up my payment to him and I really can not afford it. I have stuck by what I said I would, set up the SO and continued payment as I have always said I would. I have constructed a letter and wondered if I could have your thoughts before I send it.

Their letter:

Dear XXXX

Re: Outstanding Debt

We write further to our previous letter dated 16 February and apologise for the errors contained therein.

We understand that the loan provided to you by Mr XXXX was in fact £2250 and at he date of our previous letter £2150 was outstanding. As we understand a payment was made on 24 February the total outstanding balance is £2125. As previously expressed this repayment schedule is not acceptable to Mr XXXX and he requires the standing order to be increased to £100 with immediate effect. Please ensure our client receives the additional £75 within the next 7 days and the following payment which is due on or before 24th March to be increased to £100.

Yours faithfully


Letter removed - just in case!


What do you think? Is it ok to send?

RAS

That's pretty good.

Maybe make reference to the text message listed in the previous correspondence you sent them in which he said pay what you can afford.

But even without it is good.

Icanandwillsavemoney

RAS wrote: »

That's pretty good.

Maybe make reference to the text message listed in the previous correspondence you sent them in which he said pay what you can afford.

But even without it is good.

Thanks RAS, I really appreciate your input and reassurance. I am starting to feel quite empowered by the support and encouragment everyone has given me.

I will add the reference to his messages quoting his words right back.

Thanks again.

Edit - I will remove the letter now just in case.

ICAWSM

RAS

Sometime, read your thread from the beginning, and just check out how much you have changed since then and decide which you you prefer?