Attachment to Earnings advice please?

Caroline_83

Hello,

I've recieved a letter in the post this week and it is a default notice which states I need to pay £1118.64 arrears within 14 days otherwise they will apply for a Attachment/Arrestment of earnings.

I contacted the creditor a few months ago to negotiate a new monthly direct debit amount. I was paying £25 a month and wanted to double it when I started my new job. The only problem I had was that there was a period of 3 months where I couldn't pay a thing (waiting to start work).

The man on the phone was incredibly rude and would not accept my offer of doubling what I paid. He said that it would not cover my arrears and further upset my credit score. I was frank and explained my credit score went to the dogs a long time ago and I was done with losing sleep over it so long as I get this paid off EVENTUALLY!

Anyway, the letter has arrived and I'm scared. The last thing I want it to have them take money from my wages each month when I have only just found myself a good job with a steady wage. I am prepared to negotiate a new monthly figure for a second time but I'm not sure where I stand with regard to the Default Notice.

Any help would be welcome...xxx

hullight

Just offer them the new amount again...

The man on the phone was probably just frustrated because he knows it's best to make a token payment rather than nothing because a lot can happen in 3 months!

keith_lard

As long as you keep sending token payments (what you can) I doubt very much they can get a Attachment/Arrestment of earnings, sure they need to apply a court order for this to happen, if you keep sending token payments, then when you are working set up a re-payment plan.

These letters are just to put pressure on you to pay up in full.

But dont ignore these letters as they can sometimes get a court order if the account is being ignored.

k.