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Hi there,
I have been away visiting my sister for the last 14 days and have also been very ill for most of October, so unfortunately I haven't been able to pay a lot of attention to any incoming post. In any to give you my brief backstory, I suffer from a number of chronic physical illnesses & also mental health issues. These illnesses and conditions make it nigh on impossible for me to deal with / and cope with financial matters / debt matters & issues. My mental health issues include severe anxiety, moderate to severe depression, & I have also in the last year been diagnosed with a Borderline Personality Disorder.
On the 2nd November 2015, I opened a letter from Restons Solicitors, dated the 6th October 2015, which explained the following:
"Our Client: Arrow Global Limited
Current Balance: £1,105.27
We act on behalf of Arrow Global Limited who has instructed us to write to you concerning an outstanding debt due to them. Our client has obtained a County Court Judgement against you. The balance outstanding to our client under the Judgement is £1,105.27. When a Judgement is obtained against an individual, that individual's credit rating is adversely affected. Credit reference agencies hold details of Judgements entered against you; creditors look at this information when deciding whether to lend money to you. Although our client wants to make every effort to agree an affordable repayment arrangement with you, please note in the event payment is not made, our client has the option to pursue enforcement action.
Where we have information that suggests you are employed we may be instructed to apply for an Attachment Of Earnings Order. A fee will be added to the outstanding balance and your employer may be ordered by the court to deduct payments from your salary until the Judgement balance is repaid.
We may be instructed to issue a Warrant of Control. This enables a County Court bailiff to attend your address and levy on goods to the value of the Warrant. A Court fee and costs will be added to the Judgement balance.
Where we have information that suggests that you are a homeowner, our client may also consider securing its position bu obtaining a charge on your property.
Our client would prefer to reach an affordable repayment arrangement with you to avoid further legal action. Please contact us as soon as possible to discuss the various repayment options available. To help us understand your overall financial position and to determine how much you are able to afford, we also enclose an Income & Expenditure form for you to complete and return to this office. We would like to work with you to establish how you can repay this debt. Alternatively, you can also seek free independent financial advice from one of the organisations detailed on the reverse of this letter. It is extremely important that you contact us to discuss your situation. We can only assist you in resolving this matter if you get in touch. A settlement may also be available, subject to affordability. Please contact us on 01925 661699 or write to us at the address detailed above".
I have no idea as to when this letter arrived. But, however, one thing I am very sure of is that I haven't a clue as to what or whom this debt relates to!?! Therefore on reading this letter I was quite shocked to say the least, followed by feeling very angry and frustrated that obscure companies whom I do not have a clue about, are just coming out of the woodwork claiming that I owe £X to X, Y, & Z! As you will appreciate it is not helping my state of mental health at all, and my anxiety is already heightened because of the nature of the threats contained within the letter from Restons Solicitors. :-( By the way, this is the first such communication I have received from this firm of Solicitors!
I picked this letter up just before I went away to visit my sister, but, unfortunately, I didn't have the time to deal with it nor did I feel well enough. This was on the 17th October 2015, and I returned home on the 1st November 2015. I barely had time for my feet to touch the ground, and I bravely opened a letter the following day on the 2nd November and it was 'Notice of Application for Attachment of Earnings Order' form from my local County Court in Blackwood! :'( As you can imagine by now my anxiety was through the roof, and I was just shell-shocked!
Not only haven't I had time to digest and process whom the creditor is, and I still do not have a clue who the claimant is (Arrow Global Limited), but the amount alluded to doesn't ring any bells either! Therefore I do not even have ANY knowledge of this debt, or acknowledge it... let alone plan to pay it!
Also, as I understand, sending a 'Notice of Application for Attachment of Earnings Order' is for an employer to deduct so much money from salary / wage before an employee is paid! Obviously they have their information incorrect as I do NOT work, I am registered disabled and receive disability benefits ONLY!
More to the point, as I am currently still dealing with another Claimant who had intended to issue a CCJ against me, but which is now currently 'stayed', I haven't at any point received any Court / legal documentation to serve Notice on me that Arrow Global Limited / Restons Solicitors intended to issue a CCJ against me! Therefore, this denied me the right to be able to 'defend' myself against the aforementioned Claim! All that has been mentioned is a paragraph in the Restons Solicitors letter to state that their Client had already obtained a CCJ against me (letter dated the 6th October 15).
The date on the 'Notice of Application for Attachment of Earnings Order' is the 27th October 2015, and the Court has given me 8 days in which to reply, which I make today! It states that failure to return the form will result in my employer being contacted, and that I may be sent to prison for up to 14 days - as it is a punishable offence evidently in failing to complete and return the form. I simply haven't had the opportunity or the time in which to complete the form, and now my anxiety is at an all time high!
I would be extremely grateful for your help and assistance with this, as I am angry, upset and also worried too.
Many thanks in advance,
Tom
@nemesis45
I have been away visiting my sister for the last 14 days and have also been very ill for most of October, so unfortunately I haven't been able to pay a lot of attention to any incoming post. In any to give you my brief backstory, I suffer from a number of chronic physical illnesses & also mental health issues. These illnesses and conditions make it nigh on impossible for me to deal with / and cope with financial matters / debt matters & issues. My mental health issues include severe anxiety, moderate to severe depression, & I have also in the last year been diagnosed with a Borderline Personality Disorder.
On the 2nd November 2015, I opened a letter from Restons Solicitors, dated the 6th October 2015, which explained the following:
"Our Client: Arrow Global Limited
Current Balance: £1,105.27
We act on behalf of Arrow Global Limited who has instructed us to write to you concerning an outstanding debt due to them. Our client has obtained a County Court Judgement against you. The balance outstanding to our client under the Judgement is £1,105.27. When a Judgement is obtained against an individual, that individual's credit rating is adversely affected. Credit reference agencies hold details of Judgements entered against you; creditors look at this information when deciding whether to lend money to you. Although our client wants to make every effort to agree an affordable repayment arrangement with you, please note in the event payment is not made, our client has the option to pursue enforcement action.
Where we have information that suggests you are employed we may be instructed to apply for an Attachment Of Earnings Order. A fee will be added to the outstanding balance and your employer may be ordered by the court to deduct payments from your salary until the Judgement balance is repaid.
We may be instructed to issue a Warrant of Control. This enables a County Court bailiff to attend your address and levy on goods to the value of the Warrant. A Court fee and costs will be added to the Judgement balance.
Where we have information that suggests that you are a homeowner, our client may also consider securing its position bu obtaining a charge on your property.
Our client would prefer to reach an affordable repayment arrangement with you to avoid further legal action. Please contact us as soon as possible to discuss the various repayment options available. To help us understand your overall financial position and to determine how much you are able to afford, we also enclose an Income & Expenditure form for you to complete and return to this office. We would like to work with you to establish how you can repay this debt. Alternatively, you can also seek free independent financial advice from one of the organisations detailed on the reverse of this letter. It is extremely important that you contact us to discuss your situation. We can only assist you in resolving this matter if you get in touch. A settlement may also be available, subject to affordability. Please contact us on 01925 661699 or write to us at the address detailed above".
I have no idea as to when this letter arrived. But, however, one thing I am very sure of is that I haven't a clue as to what or whom this debt relates to!?! Therefore on reading this letter I was quite shocked to say the least, followed by feeling very angry and frustrated that obscure companies whom I do not have a clue about, are just coming out of the woodwork claiming that I owe £X to X, Y, & Z! As you will appreciate it is not helping my state of mental health at all, and my anxiety is already heightened because of the nature of the threats contained within the letter from Restons Solicitors. :-( By the way, this is the first such communication I have received from this firm of Solicitors!
I picked this letter up just before I went away to visit my sister, but, unfortunately, I didn't have the time to deal with it nor did I feel well enough. This was on the 17th October 2015, and I returned home on the 1st November 2015. I barely had time for my feet to touch the ground, and I bravely opened a letter the following day on the 2nd November and it was 'Notice of Application for Attachment of Earnings Order' form from my local County Court in Blackwood! :'( As you can imagine by now my anxiety was through the roof, and I was just shell-shocked!
Not only haven't I had time to digest and process whom the creditor is, and I still do not have a clue who the claimant is (Arrow Global Limited), but the amount alluded to doesn't ring any bells either! Therefore I do not even have ANY knowledge of this debt, or acknowledge it... let alone plan to pay it!
Also, as I understand, sending a 'Notice of Application for Attachment of Earnings Order' is for an employer to deduct so much money from salary / wage before an employee is paid! Obviously they have their information incorrect as I do NOT work, I am registered disabled and receive disability benefits ONLY!
More to the point, as I am currently still dealing with another Claimant who had intended to issue a CCJ against me, but which is now currently 'stayed', I haven't at any point received any Court / legal documentation to serve Notice on me that Arrow Global Limited / Restons Solicitors intended to issue a CCJ against me! Therefore, this denied me the right to be able to 'defend' myself against the aforementioned Claim! All that has been mentioned is a paragraph in the Restons Solicitors letter to state that their Client had already obtained a CCJ against me (letter dated the 6th October 15).
The date on the 'Notice of Application for Attachment of Earnings Order' is the 27th October 2015, and the Court has given me 8 days in which to reply, which I make today! It states that failure to return the form will result in my employer being contacted, and that I may be sent to prison for up to 14 days - as it is a punishable offence evidently in failing to complete and return the form. I simply haven't had the opportunity or the time in which to complete the form, and now my anxiety is at an all time high!
I would be extremely grateful for your help and assistance with this, as I am angry, upset and also worried too.
Many thanks in advance,
Tom
@nemesis45
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