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bear with me its complicated
poppyscorner
Posts: 792 Forumite
in Loans
Hi all,
I urgently need some advice on a problem I am having at the moment or to be more specific a debt my husband had with lloyds tsb it was for a credit card that we got in so much trouble with that it is now a ccj we have gone through some really bad times credit wise and life wise and we are on the way to sorting most of our problems but this one is by far the worst the court origionally ordered us to pay £100 per month because we didn't get the forms to them on time we had to apply for a suspension of any warrants and reduction in the order for which we had to pay a thirty pound fee at the same time as this we had another one to sort out with cl finance (mothercare card) so we had to send two fees which I had to borrow from family as although we could not afford it we do not claim any of the benefits listed on the exemption form the fees were sent to Gateshead county court and we got information back from the M'care card one saying payments were accepted and directing who to make payments to which we immediately began paying and as we hadn't heard from the lloyds one we directed the extra money to this debt to try and pay it off quicker we still did not hear from them about the lloyds debt I rang them on several occasions to query this and the people at the court told us that lloyds had not responded to the offer so they were unclear as to their intentions.
That was how it was left until this June when I get a warrant posted through my door from a bailiff based at Newcastle upon tyne county court who are now pursuing the debt on speaking to them and by telling them what has gone on previously they inform me that the first warrant expired which is why nothing happened and demand I put it in writing I did this and I have a copy of the letter I sent them but they did not respond and deny receiving the letter there was supposed to be a man dealing with it at the court and he rang me on my home number and my mobile to speak with me about it told me his name was colin spoke to me and sid he was still working on it but he would get back to me. Never heard another thing they say the debt is with Newcastle now as gateshead do not deal with it anymore.
I have spoken to the bailiff today who told me I must pay another fee which I don't think I should pay as I have already paid once and borrowed the money for that and have not yet been able to repay as I haven't had the spare funds to do so borrowing more for the same thing is out of the question and I don't think I should as what happened to the first one where did that go to as no one has acted on anything that we sent other than cashing our cheque and its rubbish that you pay for a service and then don't receive that service the only proof I have is the cheque number and a date the cheque was cashed and of course a cheque stub along with the fact that we dealt with both at the same time now I spoke to the bailiff this morning who got quite snotty threatened to come to my home I have tried all ways to getit sorted I am 8 weeks pregnant and grieving for my grandmother who died 3 weeks ago I don't need the stress.
After speaking to the bailiff this morning I then went back to the enforcement office to try again to find out what happened to my money ended up speaking to a different bailiff who agreed with me that what is happening to us is wrong but less than a minute after him saying this and promising to investigate I get the other stroppy git on the phone accusing me of going behind his back and trying to talk to other people for different answers.
I have spent the best part of my day trying to sort this out and have got nowhere other than some debt advice people telling me not to let the bailiff in.
The bailiff says that even if I have not received any letters or any correspondance I should have made payments I said I thought this was ridiculous how can you make payments when you don't know what they are he said I did as I made the offer my answer is the same I did not know if they accepted the offer because we never had any correspondance not even from lloyds to say we were in arrears with our payment schedule someone I feel has cocked up big style but no one will help or admit it they are just demandingmoney and fees we dont have and threatening to clear my house out we are making a clear effort to sort this out and we are being treated like criminals.
Can anyone help me ?
Am I right or wrong and what do i do next
I am getting desperate here
Amanda x:mad: :mad:
I urgently need some advice on a problem I am having at the moment or to be more specific a debt my husband had with lloyds tsb it was for a credit card that we got in so much trouble with that it is now a ccj we have gone through some really bad times credit wise and life wise and we are on the way to sorting most of our problems but this one is by far the worst the court origionally ordered us to pay £100 per month because we didn't get the forms to them on time we had to apply for a suspension of any warrants and reduction in the order for which we had to pay a thirty pound fee at the same time as this we had another one to sort out with cl finance (mothercare card) so we had to send two fees which I had to borrow from family as although we could not afford it we do not claim any of the benefits listed on the exemption form the fees were sent to Gateshead county court and we got information back from the M'care card one saying payments were accepted and directing who to make payments to which we immediately began paying and as we hadn't heard from the lloyds one we directed the extra money to this debt to try and pay it off quicker we still did not hear from them about the lloyds debt I rang them on several occasions to query this and the people at the court told us that lloyds had not responded to the offer so they were unclear as to their intentions.
That was how it was left until this June when I get a warrant posted through my door from a bailiff based at Newcastle upon tyne county court who are now pursuing the debt on speaking to them and by telling them what has gone on previously they inform me that the first warrant expired which is why nothing happened and demand I put it in writing I did this and I have a copy of the letter I sent them but they did not respond and deny receiving the letter there was supposed to be a man dealing with it at the court and he rang me on my home number and my mobile to speak with me about it told me his name was colin spoke to me and sid he was still working on it but he would get back to me. Never heard another thing they say the debt is with Newcastle now as gateshead do not deal with it anymore.
I have spoken to the bailiff today who told me I must pay another fee which I don't think I should pay as I have already paid once and borrowed the money for that and have not yet been able to repay as I haven't had the spare funds to do so borrowing more for the same thing is out of the question and I don't think I should as what happened to the first one where did that go to as no one has acted on anything that we sent other than cashing our cheque and its rubbish that you pay for a service and then don't receive that service the only proof I have is the cheque number and a date the cheque was cashed and of course a cheque stub along with the fact that we dealt with both at the same time now I spoke to the bailiff this morning who got quite snotty threatened to come to my home I have tried all ways to getit sorted I am 8 weeks pregnant and grieving for my grandmother who died 3 weeks ago I don't need the stress.
After speaking to the bailiff this morning I then went back to the enforcement office to try again to find out what happened to my money ended up speaking to a different bailiff who agreed with me that what is happening to us is wrong but less than a minute after him saying this and promising to investigate I get the other stroppy git on the phone accusing me of going behind his back and trying to talk to other people for different answers.
I have spent the best part of my day trying to sort this out and have got nowhere other than some debt advice people telling me not to let the bailiff in.
The bailiff says that even if I have not received any letters or any correspondance I should have made payments I said I thought this was ridiculous how can you make payments when you don't know what they are he said I did as I made the offer my answer is the same I did not know if they accepted the offer because we never had any correspondance not even from lloyds to say we were in arrears with our payment schedule someone I feel has cocked up big style but no one will help or admit it they are just demandingmoney and fees we dont have and threatening to clear my house out we are making a clear effort to sort this out and we are being treated like criminals.
Can anyone help me ?
Am I right or wrong and what do i do next
I am getting desperate here
Amanda x:mad: :mad:
:j:love: Getting married to the man of my dreams 5th November 2011 
:j
:j
0
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