Long story with Restons Solicitors.
This is in relation to a CCJ.
Debt is £427 original with Cabot (JD Williams)
I gave an offer of £10 a month, in which they denied, and even though the figures said there was £10 the court set it at £40. Restons won't talk to me or change it as they "stick by the court's decision". The payment due date has gone and they applied for a warrant of execution. I submitted an N245 for variation of an offer and suspension of a warrant (I had help with fees), which I have heard nothing about. It has now been nearly 14 days since I sent an N245 in and the bailiff was suppose to visit 2 days ago in which they didn't.
Am I correct in the following that they have no means of collection the debt if:
1) The debt can't go to high court as it is under £600.
2) If I don't let the county court bailiff in they can't do anything (I have no exterior assets except my Mothers car which we have proof that she brought it in an invoice from 2008).
3) I have 2 attachments of earnings already and you can only have 2.
4) My bank account is held abroad, but I have access to it over here and can take money out so they can't do any of the enforcement methods?
What should I do now? Just leave it or wait to hear from the courts or Restons as they said on the phone they won't cancel the warrant without full payment or a £100 installment PER MONTH!!!
CAB were the one who advised me to do an N245 AFTER getting the court setting it at £40. Is this correct? Restons now keep ringing me every day saying how this man is going to take all my childrens clothes and make my life hell and I recorded the phone call which they now say is illegal as they didn't give permission.
ANY ADVICE PLEASE ASAP
This is in relation to a CCJ.
Debt is £427 original with Cabot (JD Williams)
I gave an offer of £10 a month, in which they denied, and even though the figures said there was £10 the court set it at £40. Restons won't talk to me or change it as they "stick by the court's decision". The payment due date has gone and they applied for a warrant of execution. I submitted an N245 for variation of an offer and suspension of a warrant (I had help with fees), which I have heard nothing about. It has now been nearly 14 days since I sent an N245 in and the bailiff was suppose to visit 2 days ago in which they didn't.
Am I correct in the following that they have no means of collection the debt if:
1) The debt can't go to high court as it is under £600.
2) If I don't let the county court bailiff in they can't do anything (I have no exterior assets except my Mothers car which we have proof that she brought it in an invoice from 2008).
3) I have 2 attachments of earnings already and you can only have 2.
4) My bank account is held abroad, but I have access to it over here and can take money out so they can't do any of the enforcement methods?
What should I do now? Just leave it or wait to hear from the courts or Restons as they said on the phone they won't cancel the warrant without full payment or a £100 installment PER MONTH!!!
CAB were the one who advised me to do an N245 AFTER getting the court setting it at £40. Is this correct? Restons now keep ringing me every day saying how this man is going to take all my childrens clothes and make my life hell and I recorded the phone call which they now say is illegal as they didn't give permission.
ANY ADVICE PLEASE ASAP
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