Hello, I'm new to the forum and would be grateful for some advice please.
I have several questions so I hope this is the correct place to ask them, apologies if it isn't.
To outline my position, I am self employed, earn very little, have no property (it was repossessed a while back), have no assets or savings and have two children under 10 yrs. I am a financial man of straw, generally happier this way than ever I was when I earned a good salary and spent too much. However it would be good to get these DCA's off of my back if at all possible because I can't afford to pay them and dealing with them can make me feel unwell at times.
Anyway;
1. I've received notice of an application for an attachement of earnings which I have to respond to asap, I am self employed and my understanding from browsing the forum is that this makes the application all but useless to the Creditor, is that correct? Should I fill in the income section or just tick that i'm self employed and return the form?
2.The application has a case number relating to a CCJ which was obtained a few years ago and I have zero idea of who the original creditor was because the judgement was obtained by Hillesden Securities and when I called the court this morning to seek clarification they had no other info apart from to state that the original claimant would not have changed.
I have no recollection of defending this claim although I was in a dark place at the time having been made redundent and subsequenty having my house repossessed so may well have replied and don't remember, the court said that a claim was received!
I wonder, as I've not made any attempt to pay since the judgement 5 years ago, and have no recollection of it, should I just return the attachment to earnings form and then see what happens next when the DCA discover i'm self employed and earning peanuts or should I apply to vary the judgement and offer £1 because my income is so low or something else, what do you think please?
Thank you in advance for your time, thoughts and help.
Have a great day!
I have several questions so I hope this is the correct place to ask them, apologies if it isn't.
To outline my position, I am self employed, earn very little, have no property (it was repossessed a while back), have no assets or savings and have two children under 10 yrs. I am a financial man of straw, generally happier this way than ever I was when I earned a good salary and spent too much. However it would be good to get these DCA's off of my back if at all possible because I can't afford to pay them and dealing with them can make me feel unwell at times.
Anyway;
1. I've received notice of an application for an attachement of earnings which I have to respond to asap, I am self employed and my understanding from browsing the forum is that this makes the application all but useless to the Creditor, is that correct? Should I fill in the income section or just tick that i'm self employed and return the form?
2.The application has a case number relating to a CCJ which was obtained a few years ago and I have zero idea of who the original creditor was because the judgement was obtained by Hillesden Securities and when I called the court this morning to seek clarification they had no other info apart from to state that the original claimant would not have changed.
I have no recollection of defending this claim although I was in a dark place at the time having been made redundent and subsequenty having my house repossessed so may well have replied and don't remember, the court said that a claim was received!
I wonder, as I've not made any attempt to pay since the judgement 5 years ago, and have no recollection of it, should I just return the attachment to earnings form and then see what happens next when the DCA discover i'm self employed and earning peanuts or should I apply to vary the judgement and offer £1 because my income is so low or something else, what do you think please?
Thank you in advance for your time, thoughts and help.
Have a great day!
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