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Hi Everyone.... glad to be here and hope to get the advice I need and the experience to eventually help others out in time
I'm not far away from my 55th birthday, divorced, two kids (living with their mother) living in a rented room in a flat. I ran up debts gambling but have been free from that for six years and am generally happy now, get on very well with my kids. For the last seven years I was out of work for the first two and then spent four years in a local job which paid a lot less than I was used to (but because I was no longer gambling, it left me with a lot more!). Last year I was fortunate enough to get a job back in the city on a significantly better salary which has allowed me to treat my kids (maybe more than I should) and get out a little bit more than I was able socially.
In 2014 I was in court for tax owed (around 20k) , and I committed to paying so much per month and the balacnce when I was able to access my pension (25% tax free). I didn't receive the details of where to pay and eventually it turned out an earlings order was made against me, though this all went through a previous address of mine without me seeing sight of any of the paperwork till well after it was made. After I changed jobs I responded to a letter received from the court telling me they had been advised I had left my old job (in fact I received this before I had left) with my new details and didn't hear back from them. Until, that was, a year later recently when I received a letter telling them they'd been informed I had left my current job! That came as a shock, but it wasn't true. Recently they have taken my details again and suspended the earlings order on condition I pay HMRC a certain sum by the end of each month
Now all my other debts seem to be coming back... I must confess I have been reciving letters and phone calls from a variety of different debt agencies all of which I've steadfastly ignore. However just last week I received a County Court Business Centre Claim Form details as follows...
Received a claim? Yes
Issue Date: 26th June 2017
Amount approx: £7k
Claimant: Arrow Global Limited
Solicitor: Shoosmiths
Original Creditor: HSBC
Particulars of Claim: Monies due in respect of incurring an overdraft whist operating a bank account
Is the debt Statute Barred? No ( I think I last used the bank account about 5 1/2 years ago)
List any letters you have sent: None
Any Other Info: I have recently had a Good Repute check conducted on me at work and today was called in about the results. Whilst there was no problem with the Inland Revenue CCJ as I had informed them of that at the time of joining, it transpires that I have another CCJ issued against me in January against an old address of mine. I have absolutely no information about this as it would appear everything would have been sent to an address I have not been at for over four years.
I'd be grateful for advice as to how best to respond to the latest court document and to deal with the CCJ I have only just become aware of (issued by the same court). I am willing to start monthly payments but with the monthly contribution I am already having to make to the Inland Revenue, I do not anticipate being able to afford much significant.
Ideally I would like to come to some arrangement that enables me to make a contribution without the CCJs (assuming I eventually clear my HMRC one by using my pension) as this would make my prospects of staying in my current job and maintaining my earnings potential. Does this sound like something a company like Arrow would contemplate? And what would have happened on the CCJ that I had no knowledge of, until I spoke to HR today?
I'm not far away from my 55th birthday, divorced, two kids (living with their mother) living in a rented room in a flat. I ran up debts gambling but have been free from that for six years and am generally happy now, get on very well with my kids. For the last seven years I was out of work for the first two and then spent four years in a local job which paid a lot less than I was used to (but because I was no longer gambling, it left me with a lot more!). Last year I was fortunate enough to get a job back in the city on a significantly better salary which has allowed me to treat my kids (maybe more than I should) and get out a little bit more than I was able socially.
In 2014 I was in court for tax owed (around 20k) , and I committed to paying so much per month and the balacnce when I was able to access my pension (25% tax free). I didn't receive the details of where to pay and eventually it turned out an earlings order was made against me, though this all went through a previous address of mine without me seeing sight of any of the paperwork till well after it was made. After I changed jobs I responded to a letter received from the court telling me they had been advised I had left my old job (in fact I received this before I had left) with my new details and didn't hear back from them. Until, that was, a year later recently when I received a letter telling them they'd been informed I had left my current job! That came as a shock, but it wasn't true. Recently they have taken my details again and suspended the earlings order on condition I pay HMRC a certain sum by the end of each month
Now all my other debts seem to be coming back... I must confess I have been reciving letters and phone calls from a variety of different debt agencies all of which I've steadfastly ignore. However just last week I received a County Court Business Centre Claim Form details as follows...
Received a claim? Yes
Issue Date: 26th June 2017
Amount approx: £7k
Claimant: Arrow Global Limited
Solicitor: Shoosmiths
Original Creditor: HSBC
Particulars of Claim: Monies due in respect of incurring an overdraft whist operating a bank account
Is the debt Statute Barred? No ( I think I last used the bank account about 5 1/2 years ago)
List any letters you have sent: None
Any Other Info: I have recently had a Good Repute check conducted on me at work and today was called in about the results. Whilst there was no problem with the Inland Revenue CCJ as I had informed them of that at the time of joining, it transpires that I have another CCJ issued against me in January against an old address of mine. I have absolutely no information about this as it would appear everything would have been sent to an address I have not been at for over four years.
I'd be grateful for advice as to how best to respond to the latest court document and to deal with the CCJ I have only just become aware of (issued by the same court). I am willing to start monthly payments but with the monthly contribution I am already having to make to the Inland Revenue, I do not anticipate being able to afford much significant.
Ideally I would like to come to some arrangement that enables me to make a contribution without the CCJs (assuming I eventually clear my HMRC one by using my pension) as this would make my prospects of staying in my current job and maintaining my earnings potential. Does this sound like something a company like Arrow would contemplate? And what would have happened on the CCJ that I had no knowledge of, until I spoke to HR today?
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