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Thread: Please help, question regarding N180 form

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  1. #51
    Diana M's Avatar

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    Default Re: Please help, question regarding N180 form

    Quote Originally Posted by Amethyst View Post
    I think Di is just tryng to say that if the defence fails on the credit agreement issues the case is weaker because you have received the NoA, but we know that already
    I was saying that admitting it in a WS may not be ideal since the Defendant can be cross-examined on the contents their WS.

    There is no obligation to admit it.

    You may know that they have received the NOA but that doesn't mean the OP has to put it in their WS so that the court then know it too.

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forum’s site rules don’t allow me to give advice by PM but if you need to contact me please email [email protected]. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  2. #52
    Ohfreeme's Avatar

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    Default Re: Please help, question regarding N180 form

    Quote Originally Posted by Diana M View Post
    Perhaps @Debt Camel would be able to make some suggestions about your overall financial situation.

    You've battled through so much so maybe a fresh start is not such a bad idea?

    Were you offered Mediation to settle this claim since it's under £10k?

    Di
    Yes Please I'll take any help offered!

    Mediation was offered but I didn't have documents so it couldn't go ahead...

    I defiantly need a fresh start with these debts. I'm just so lucky that our new landlord is so lovely. The last one was evil making us homeless before Christmas because I complained about repairs and the damp!

    He issued a section 21 Notice in October 2015 which is when it all kicked off with Lowell.

    I lost my entire deposit with that snake!

    He's made me so scared of reporting repairs to my new landlord but thankfully he is very kind and helpful and I'm finally starting to feel settled here.

    Because of my constant illness everything has piled up on me including masses of paperwork. I still haven't moved in properly as I was in hospital when it was moving day so friends helped and just chucked everything in boxes together even the rubbish lol.

    To top that off I have a kid that poops himself every time he's fixated on something and another that has taken to peeing on the bedroom carpet.

    So I'm either cleaning, looking after kids, on school runs or at some SEN/EHC meeting. I've recently started college as I'm determined to return to work on some sort of level of pay that I won't have to be on benefits at all. I find it really demeaning the way I'm treated now.

    I need someone to take on some of the burden before I burn out (again).

    The school sent round someone for a chat... Yep that was really helpful, not. Lol

    Sorry for ranting...

  3. #53
    Amethyst's Avatar

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    Default Re: Please help, question regarding N180 form

    Do you want to do a list of what is owed and to where - might help get together an overall plan to sort things out or at least give Debt Camel an idea of what you are dealing with - you're on top of rent / council tax / utilities okay ? so just catalogues and stuff ?

    Hopefully we'll be able to take this one off the list soon anyway xx
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

  4. #54
    Ohfreeme's Avatar

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    Default Re: Please help, question regarding N180 form

    Yes catalogues and payday loans I think. Well one payday loan. Most of what Lowell where dealing with have been written off. I think I have 1 outstanding old catalouge debt, a doorstep loan and the payday loan but I'm gonna have to go through the fat folder .

    I have 2 credit cards that are in good standing but with high balances but I pay every month. A few more catalogues but once again they're paid and only one has a high balance but I've just been paying and not using it for about 6 months.

    I'll fish everything out once I've dealt with this statement.

    Many thanks for all your assistance!

  5. #55
    Diana M's Avatar

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    Default Re: Please help, question regarding N180 form

    Quote Originally Posted by Ohfreeme View Post
    I lost my entire deposit with that snake!

    He's made me so scared of reporting repairs to my new landlord but thankfully he is very kind and helpful and I'm finally starting to feel settled here.

    . . . . I've recently started college as I'm determined to return to work on some sort of level of pay that I won't have to be on benefits at all.

    Sorry for ranting...

    You're not ranting - you're sharing

    That's great news about starting college and the last thing you want is the distraction of legal proceedings and debt collectors now that things have turned a corner for you.

    (Maybe we'll discuss whether the "snake" should have lawfully withheld your deposit once you've got this other stuff out of the way.)

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forum’s site rules don’t allow me to give advice by PM but if you need to contact me please email [email protected]. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  6. #56
    Diana M's Avatar

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    Default Re: Please help, question regarding N180 form

    Quote Originally Posted by Ohfreeme View Post
    it all came about when the CSA held on to my children's maintainance payments for 4 months

    . . . . He stopped paying the money aswell in case you ask why I didn't pay off my debts when they did send the money. Which was sent in drips and drabs not as a whole amount and he only started paying again in 2016. He still owes about £1600. But the changed to the new service and they won't do a thing.

    Has pursuing the maintenance he owes you reached the end of the line or are you just hitting brick walls so may need a little help to see what (if anything) you can do about recovering it?

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forum’s site rules don’t allow me to give advice by PM but if you need to contact me please email [email protected]. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  7. #57
    Debt Camel's Avatar

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    Default Re: Please help, question regarding N180 form

    When I went for advice from the CAB. They told me to go bankrupt. I don't see how that would work as you need £750 to do that.
    I assume your total debts are over £20,000 in that case?

    If they are under £20,000 you need to talk to a debt adviser about a Debt Relief Order (DRO), see https://debtcamel.co.uk/debt-options/dro/

    If they are over 20k, then it has to be bankruptcy. there are some ideas here about how to get the stupidly high fees together: https://debtcamel.co.uk/help-with-bankruptcy-fees/. If you have a child with disabilities, there is a very good chance that you could get a grant for these fees, go back to your local CAB and ask for their help to apply for this.

  8. #58
    Amethyst's Avatar

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    Default Re: Please help, question regarding N180 form

    Morning xx Just wondered if you'd heard anything further from Lowell and checking all is okay with you xxx
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

  9. #59
    Amethyst's Avatar

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    Default Re: Please help, question regarding N180 form

    How you getting on?
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

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