CCJ and N245 form advice?

Ranbir

Hello,

I have been reading this forum for awhile finally registered as i have a problem i would like a bit of advice on, it is my last major debt I need to arrange before it feels i can start living life again and not let stress consume me

Last year my ltd company failed, with debts, bank credit cards and personal debts etc... I have managed to clear them all now or arrange instalments but 1 last debt was owed to a supplier for £7k in regards to services. in my own regret i took no action on this and things have escalated, now there is a CCJ in place (issued 2 weeks ago) for this debt, now the CCJ is in my personal name at my old business address not the company name but i phoned an advice line and they said most likely this cannot be challenged even though i never had the claim form to dispute as i dont get my mail passed on very often and only received the ccj in my hand 2 days ago

now i have had a call from a debt collection agency with regards to this, i have offered them £200/month to clear this debt until i have more income coming in.

now my personal finances stand at....

No property, living with parents rent free
No car, my only income right now is £500/month coming in from a payment plan for a balance of £20k i am owed from a client, now i need £100/month for living, £200/month are already going towards other debts on payment plans so i can at a squeeze push £200/month for this debt

But the debt collection agency has rejected this offer and demanding full payment in 7 days which i dont have in any form!

Now they are saying they are going to send a "field agent" to issue a statutory notice.

Please advise what action i can take? I have been told to send off an N245 form outlaying my means and the court can decide on a payment plan but in the meantime what does the statutory notice do that the debt agency are going to issue?

I am just worried sick.... Ive been through too much debt, depression, stress and shamefully attempted suicide which i am glad failed besides a broken arm n leg as all my other debts have been arranged jus this last 1 i need advice on to overcome, thank you.

chanz4

If ltd, the 500 a month isn't yours as it is no longer trading

fatbelly

Ranbir wrote: »

Last year my ltd company failed, with debts, bank credit cards and personal debts etc... I have managed to clear them all now or arrange instalments but 1 last debt was owed to a supplier for £7k in regards to services. in my own regret i took no action on this and things have escalated, now there is a CCJ in place (issued 2 weeks ago) for this debt,

...i phoned an advice line and they said most likely this cannot be challenged even though i never had the claim form to dispute as i dont get my mail passed on very often and only received the ccj in my hand 2 days ago

Now they are saying they are going to send a "field agent" to issue a statutory notice.

Please advise what action i can take? I have been told to send off an N245 form outlaying my means and the court can decide on a payment plan but in the meantime what does the statutory notice do that the debt agency are going to issue?

The advice you were given sounds wrong. If the debt was to a limited company, how can you be personally liable? Surely that was your defence, which you have not had a chance to give and you should be looking at setting aside the ccj on a N244

Why don't you run this past Business Debtline?

The notice is probably a statutory demand and, if it is, that also needs to be set aside unless you are considering bankruptcy (in which case it could save you £700 in fees!) - again BDL can advise.