Marstons :-(

glentoran99

I certainly wouldnt class a Christening frivolous, Christmas is an expensive time even when you are trying to be money conscious, A holiday may be deemed frivolous to you you but for some 1 break away a year is what keeps them going from one year to the next, life isnt easy

People dont come here for judgement they come for help,

Im sure all debt could be judged is frivolous as your spending money you havent got yet. I was in a lot of debt, im almost out of it now, you know what a lot of it was spent on things i probably didnt need but I simply thought "ill pay it later" and it got more and more, But im getting there and people like yourself passing judgement sends people on a downward spiral and afraid to seek help and things get worse and worse

LolStevo

Thank you! I didn't think I was frivolous anymore! I budget for most things, I have been on my own for a while wth 3 young children working a full time job as well as in education so a week away camping was my holiday!

Like I say i have been in debt in the past and iv managed it all I havnt used any more credit besides this loan which is a rolling thing as like I say it's against my savings!

Iv come on asking how to deal with marstons who are at my boyfriends parents house so if anyone could help with that I'd be grateful!

fatbelly

LolStevo wrote: »

Iv come on asking how to deal with marstons who are at my boyfriends parents house so if anyone could help with that I'd be grateful!

Let's ignore the debate that's going on around the edges of this.

Your boyfriend was paying this fine from his JSA at the standard rate. I think that's £5 per week for a court fine.

His JSA stopped because your income increased and he now has no income in his name. He's still willing to pay at the previous rate but this will now be from joint income. He has no access to a lump sum.

Yes they could take the car as it's his but you'd be amazed how rare this is.

He (not you) needs to talk to the Fines officer at the court to ask for a means enquiry. If they still say 'no' then he makes another request to Marstons to pass it back so this can happen. If they say no then it's a case for your local MP who will have case workers who can look into getting this resolved. A letter on Westminster letterhead usually gets things moving. https://www.writetothem.com is a good site for contacting these people.

Advice from a useful council site is:

If you cannot pay what the bailiffs are demanding, you can ask the court for a means enquiry. At the enquiry, take any money you can afford to pay on the day, a copy of your financial statement and any proof you have of your income since you first owed the money.

The magistrates look at why you have not paid and whether you could have paid at any time since you had the debt. They also look at what you are offering and how long this would take to clear the debt. The magistrates most frequently make an order to pay. This means that, as long as you make the payments ordered, no further action is taken. If payment would cause you extreme hardship, the magistrates can also write off all or part of the fine.

glentoran99

how does it matter if the £80 child benefit pay off the loan or buys food and she used a different £80 to pay off the loan? My child benefit goes into my bank account how can i be sure im using the right money?