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LBM No.2? CCJ from Northampton....eek!

24

Comments

  • scaredy_cat
    scaredy_cat Posts: 7,758 Forumite
    Shoe_Gal wrote: »
    Have you opened them yet :eek:

    umm.......................
















    no..... :o
    Cats don't have owners - they have staff!! :D:p
    DFW Long Hauler Supporter No 150


  • fallenwiccan
    fallenwiccan Posts: 608 Forumite
    there's no time like the present ;)

    get those letters opened.
    HSBC CC - £3000 / £3000
    Halifax CC - £1032.77 / £1032.77
    Mortgage currently at [STRIKE]£82,299.71[/STRIKE] £76,017.62 would love to overpay
  • scaredy_cat
    scaredy_cat Posts: 7,758 Forumite
    *update*

    well, i opened the letters - i got a friend to come over to help me and then i got letters sent out to the various DCAs explaining i was made reduntant, and enclosed a copy of my recent SOA. I asked for debt to be frozen with no payments for 3 mths as my SOA showed a negative figure after my income (JSA) had all my bills subtrcted from it :eek:

    Those were posted recorded delivery on 26th March. Only got 2 replies back - Wescot no longer hold my debt and will pass on my correspondance.

    shoosmiths sent a letter saying they needed x amount per month to stop all action. This was dated 2nd April and i got it last week.

    Today i have received a claim from from Northampton County Court. Well, they don't waste any time do they :eek:

    This hasn't frightened me as much as it once would have. But my question is now, how to i get this moved to a court nearer me? I'm in Suffolk!
    Cats don't have owners - they have staff!! :D:p
    DFW Long Hauler Supporter No 150


  • scaredy_cat
    scaredy_cat Posts: 7,758 Forumite
    now i have done a forum search on ccj's i'm starting to get a bit nervous!!!:eek:
    Cats don't have owners - they have staff!! :D:p
    DFW Long Hauler Supporter No 150


  • The_Golden_Goose
    The_Golden_Goose Posts: 1,040 Forumite
    Have you tried calling one of the free debt helplines?

    You have nothing to lose by doing so.

    Take control - better for you to be in the driving seat, not nice being a passenger. You can do it and you'll sleep sounder for doing so.

    Wish you all the very best.
    ** Proud to be dealing with my debts **
    LBM - Jan 2009 _pale_ : £24,802.21 :eek:
    February 2010 :silenced: : £18,078.47 (not including OD)
    July 2010 :( = £16,819.34 (not including OD)
    January 2012 :mad: = £14,338.75 (not including OD)
  • foolishqueen
    foolishqueen Posts: 237 Forumite
    Part of the Furniture Combo Breaker
    Hi Scaredy_cat,

    I'm just starting out on this road too. Will be sending back my forms to the CCCS on Monday (could have done it today but didn't - I'm already starting to hold back!). So well done on going through your post and sorting it :)

    I don't think a CCJ is anything to be worried about - I worried myself too, but then I thought if I' paying what I can afford and can show how I budgeted for everything, then no court is going to make me pay more than I can afford so I stopped worrying :) Easier said than done I know.

    I'm not sure if the rules are different if you are on JSA - I'm sure someone more knoweldgeable will be along to help.

    Erm, what am I trying to say?! Don't worry - you've taken a positive step and the folks on here will offer help and advice all they way.

    Cheers.
    Total Debt as of January 2010: £61,234 :mad:
    Debt Free Day: A long way off!! :j
    DMP mutual support thread member: 302 :j
  • scaredy_cat
    scaredy_cat Posts: 7,758 Forumite
    unfortunanately, i don't think i can go on a dmp as i at the moment i'm only getting JSA so i don't have any money to go to debts.

    I am thinking of making an appt at CAB.
    Cats don't have owners - they have staff!! :D:p
    DFW Long Hauler Supporter No 150


  • 10past6
    10past6 Posts: 4,962 Forumite
    scaredy_cat wrote: »
    Today i have received a claim from from Northampton County Court.
    Who is the claimant?

    How much is the debt for?

    How old is the debt?
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • scaredy_cat
    scaredy_cat Posts: 7,758 Forumite
    10past6 wrote: »
    Who is the claimant?

    How much is the debt for?

    How old is the debt?

    it's Alliance and Leister loan for £11529.07 and i took the loan out Nov 07.

    i don't want to get out of payting it, just that i have no money at the momnent to pay it!
    Cats don't have owners - they have staff!! :D:p
    DFW Long Hauler Supporter No 150


  • 10past6
    10past6 Posts: 4,962 Forumite
    OK with the court papers, you should have received a login & password details, do you have them?
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
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