Help please - Natwest/bank charges claim/Payplan/court??

Nickij01

I am a little worried too, because I am now working my salary is good so I don't think I will be able to claim hardship, it was at a particular time we had mortgage payments being returned unpaid, I do still have council tax arears formed mostly in part when the original bank charges where being taken and I was out of work when I started my hardship claim.

esmerellda

sound

you feeling better about things now a bit ?

Nickij01

You have definitley helped calm me down, I am still very angry about things (bitter old woman LOL) but have stopped freating about the CCJ, just more annoyed that we can be treated this way even when trying your best. I don't want to milk anything BUT in saying that I also want what I am owed, if that makes sense.

Ok going to break a big drop in the ocean here to, me and fiance are also supposed to be getting married on the 7th November, plans of saving money and getting on our feet have just disappeared before me.

What also scares me is that now we have a very decent income, we are very lucky on that front but work hard for it but it just seems to disappear and we still owe money and we are not frittering away on nice things thats for sure.

Stuck a little on the form, have got to the priority debts and non priority debts bit but have put payments already being made on the outgoings bit, help?

Nickij01

I have also just realised that Payplan have done the very same thing with another of my debts with them, my Abbey overdraft which was £199, I had paid £22.67 in total before Moorcroft took over the debt and they have taken it back to square one, ignoring the £22.67 I have paid, Moorcroft are not pursuing court proceeding (at the moment anyway) but why is it the payments you have made are ignored and it is assumed we can just lose this money? I don't understand it at all?

Nickij01

Filled in form and emailed as requested hun, not convinced it is done correctly though, got a little confused.

Nickij01

Ok now I am not able to send it, I am not allowed to save it to a USB stick and have no discs, not really sure what to do.

esmerellda

HI honey

to bypass the email block do you wnt to sign up on https://www.legalbeagles.info/forums and you can upload it onto a thread, thats my site, if you send me a private message on there ( amethyst ) then i can talk you through it.

stone-broke_3

I found reading about this case interesting as I am in a similar position at the moment. However, I am unsure which part of the bulk order form to fill in! It would be great to hear from anyone who could advise me!
I have not been able to make my repayments on my loan and overdraft; firstly through redundancy and then because the work I have at the moment through an agency, is not consistent.
I have made a reasonable offer of payments (through the CAB) several times, but the Natwest bank have declined, passed it on to a debt collector and now it is in the hands of the banks solicitors. Each link in this chain has been offered the same amount and each have refused. The amount was calculated by a CAB financial advisor after doing a debt management plan (DMP).
I have now had a court claim form from the County Court Bulk Centre and have to get a response to them before Monday. These forms have been passed to the financial advisor at the CAB; who cannot advise me which form to fill in, as this she says, is my decision. I have a dispute with the Natwest with respect to them charging me when my accouint was in credit (in the past), but have not entered into this with them yet, but would think this would help if I go for the defence part of the form I have received??? I really need to get some help from anyone who knows all the legal side of this..............is there anyone who can urgently help me please?