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  • FIRST POST
    • MarrtyGH1369
    • By MarrtyGH1369 22nd Dec 17, 12:07 PM
    • 24Posts
    • 3Thanks
    MarrtyGH1369
    Notice of issue of warrant of control
    • #1
    • 22nd Dec 17, 12:07 PM
    Notice of issue of warrant of control 22nd Dec 17 at 12:07 PM
    Hi. I just received a letter (days before Christmas) completely out of the blue and I don't know what it means or what to do about it.

    It's a Notice of issue of warrant of control.

    The creditor is Lowell Portfolio 1 Ltd.

    I am the debtor according to them.

    The letter says that "you have not made payment under the judgement as you were ordered"..... This is the first time I have heard of anything like this!
    The letter says that if I don't pay 180 the bailiff will call and remove my goods.
    I'm not aware of having any debts. Even if I did, how can they jump to sending bailiffs out?
    I don't have the money to pay this, I suffer from Complex regional pain syndrome in my right arm and leg so I can't use my right arm and have trouble walking. I also suffer from extreme depression and possibly schizophrenia (but I can't get in to see the mental health team to secure a diagnosis) so I haven't been able to work for a while.
    The DWP also stopped my ESA a while ago (which I am receiving help from Citizens advice with so I can take the DWP to court to get them to over turn their decision) so we are living on my pip and the carers allowance my partner gets....my pip is 220 a month so you can see that we aren't exactly flush with money!

    What should/can I do please?
    Talk about ruin Christmas!

    Any help or advice anyone can offer would be greatly appreciated as i feel like the world is slipping from under me right now.

    Thanks,
    Martyn.
Page 2
    • anna_1977
    • By anna_1977 19th Jan 18, 2:09 PM
    • 652 Posts
    • 900 Thanks
    anna_1977
    Hi Martyn,
    I would suggest looking at the last 6-12 months of bank statements and adding up all the items and dividing by how every many months to get the average.
    You want to be as accurate as possible on this form.
    Good luck
    • sourcrates
    • By sourcrates 19th Jan 18, 2:41 PM
    • 13,709 Posts
    • 13,040 Thanks
    sourcrates
    Today I received word back and they have asked me to complete an income and expenditure form, what a silly form this is! Who knows how much they spend monthly on clothes etc? It's a ridiculous form.
    Originally posted by Martyn James
    Martyn,

    You are allowed certain amounts per month to use for each category.

    You must send this form back to Lowell, just make whatever budget you have to work with balance up, so it shows little or no left over income at months end, after all your essential bills are paid, divide your available budget between each category.

    That way they cannot make you pay anything, have i explained that to you clearly enough ?
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • MarrtyGH1369
    • By MarrtyGH1369 20th Jan 18, 12:38 PM
    • 24 Posts
    • 3 Thanks
    MarrtyGH1369
    You have, yes. Than you for you r time, help and advice.
    • MarrtyGH1369
    • By MarrtyGH1369 1st Feb 18, 5:02 PM
    • 24 Posts
    • 3 Thanks
    MarrtyGH1369
    Hello again.
    I have worked out our income and expenditure and I'm left with 1.25 A week on average.
    Can anyone look over my statement to see it I have missed something and if it's reasonable please?
  • National Debtline
    Hi Martyn


    If you are looking for a second opinion on your income and expenditure, then you need to do one of the following:


    - contact one of the free debt charities if you are able (we can run through the figures with you over the phone); or


    - post the budget details in this thread - there is a template at http://www.stoozing.com/calculator/soa.php which is designed to be easy to copy & paste into a forum like this one.


    Dennis
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • MarrtyGH1369
    • By MarrtyGH1369 4th Feb 18, 9:18 AM
    • 24 Posts
    • 3 Thanks
    MarrtyGH1369
    Do you know where can I find these amounts?
    • MarrtyGH1369
    • By MarrtyGH1369 4th Feb 18, 9:19 AM
    • 24 Posts
    • 3 Thanks
    MarrtyGH1369
    Thank you, i will contact Debrline on Wednesday.
    Is there a way to change my username on this forum that you're aware of?
  • National Debtline
    Hi again


    Do you know where can I find these amounts?
    Originally posted by MarrtyGH1369

    These figures aren't publicly available. Focus on completing a budget as thoroughly and accurately as possible - if you are able to post a draft version here, then others can offer observations on whether your figures look high or low in particular areas and guide you accordingly.


    Dennis
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • MarrtyGH1369
    • By MarrtyGH1369 7th Feb 18, 12:31 PM
    • 24 Posts
    • 3 Thanks
    MarrtyGH1369
    Will/can Lowell ask to see proof of outgoings?
    • MarrtyGH1369
    • By MarrtyGH1369 7th Feb 18, 1:16 PM
    • 24 Posts
    • 3 Thanks
    MarrtyGH1369
    Hello Dennis.

    I have filled out the form you linked to. How do I transfer that information to here? Could I send it directly to you so that the world can't see my financial situation?
    I tried to call National Debtline this morning but I was on hold for 30 minutes and gave up.
    • fatbelly
    • By fatbelly 7th Feb 18, 1:17 PM
    • 12,161 Posts
    • 9,198 Thanks
    fatbelly
    It's unlikely, Marrty. As you said earlier, it's hard to keep track of what you spend on lots of things.

    They are more likely to ask for proof of income, if they ask for proof af anything.
    • MarrtyGH1369
    • By MarrtyGH1369 7th Feb 18, 1:20 PM
    • 24 Posts
    • 3 Thanks
    MarrtyGH1369
    Thank you replying.

    Would I be obligated to provide them with bank statements etc if they asked? Something about providing them with that detailed of a breakdown of our personal lives makes me uncomfortable. I'd like to know if I can say no without getting on their bad side if they do ask.
    • fatbelly
    • By fatbelly 7th Feb 18, 1:38 PM
    • 12,161 Posts
    • 9,198 Thanks
    fatbelly
    so we are living on my pip and the carers allowance my partner gets
    If I was engaging with them I'd send proof of those, but as for bank statements - too much information!
    • MarrtyGH1369
    • By MarrtyGH1369 7th Feb 18, 1:40 PM
    • 24 Posts
    • 3 Thanks
    MarrtyGH1369
    I'd also like to know what this means: Account ///////// Agreement Start Date 15/03/2010 Last Payment Date 30/12/2011

    When would that have become un-collectable?
    • MarrtyGH1369
    • By MarrtyGH1369 7th Feb 18, 1:45 PM
    • 24 Posts
    • 3 Thanks
    MarrtyGH1369
    Thank you.
    Having looked into the money we get, we actually get income support and child tax credit, my partner also claims carers allowance for me. I didn't know we got any of most of that until I asked my better half what we actually got.
    Having worked out our out goings, we are left with just under 2 a month.
    • MarrtyGH1369
    • By MarrtyGH1369 9th Feb 18, 11:45 AM
    • 24 Posts
    • 3 Thanks
    MarrtyGH1369
    Hi again





    These figures aren't publicly available. Focus on completing a budget as thoroughly and accurately as possible - if you are able to post a draft version here, then others can offer observations on whether your figures look high or low in particular areas and guide you accordingly.


    Dennis
    @natdebtline
    Originally posted by National Debtline
    Should I include my partners income in these calculations too? Most of the money she gets is for the kids.
    • fatbelly
    • By fatbelly 9th Feb 18, 1:24 PM
    • 12,161 Posts
    • 9,198 Thanks
    fatbelly
    I'd also like to know what this means: Account ///////// Agreement Start Date 15/03/2010 Last Payment Date 30/12/2011

    When would that have become un-collectable?
    Originally posted by MarrtyGH1369
    They would have had to start a court claim before 30/12/17, which I'm guessing they did
    • MarrtyGH1369
    • By MarrtyGH1369 10th Feb 18, 11:57 AM
    • 24 Posts
    • 3 Thanks
    MarrtyGH1369
    They would have had to start a court claim before 30/12/17, which I'm guessing they did
    Originally posted by fatbelly
    Thank you.
    I don't understand how this particular debt could have reached such a high number, they say it's over 2000. It's Orange so it must be a mobile phone. The last payment was made over a year after the first. My missis thinks she can remember it, she is sure that I sent a letter at the end of the contract, asking them to terminate it. It's a ridiculously high amount for a mobile phone bill and this is from a time when 2 year contracts didn't exist!
    • MarrtyGH1369
    • By MarrtyGH1369 20th Feb 18, 10:05 AM
    • 24 Posts
    • 3 Thanks
    MarrtyGH1369
    So me and my mum went through mine and my partners expenses. We ended up with a figure of 7.50 A month remaining. That's what Lowell want. Just hope we aren't hit with any unexpected costs but at least it's something.
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