Court bailiff visit

[jojojo]

Whilst I was out last week, I was visited by a court bailiff - I rang him as soon as I got home. He said he had to hand deliver forms from the court regarding a Cabot CCJ

It is for £1303 - its from a Vanquis debt. It went to court two years ago at my old address - haven't lived there in years and this is the first I have heard of the CCJ.

So as only now the court has found my new address they have sent the bailiff to hand deliver me the income and expenditure to fill in for an attachment of earnings. There is no arguing that I owe the money and I am willing to pay it back but don't really want it taken out of may pay - would happily send up a standing order. Would the court be likely to consider doing this if I explain this is the first I have heard of the judgement?

Next question is I don't really have much disposable income at all. How long are the court likely to give me for this kind of debt, I heard they only give you 6 months - That would leave me seriously up against it - I think I only have about £15-20 spare in my budget and with two kids that doesn't tend to last long.

Thanks

[bizzybob]

Re: Court bailiff visit

Who obtained the CCJ, Vanquis or a Debt Collection Agency?

[jojojo]

Re: Court bailiff visit

Its in Cabots name, their solicitors were Mortimers

[Milo]

Re: Court bailiff visit

Whilst I was out last week, I was visited by a court bailiff - I rang him as soon as I got home. He said he had to hand deliver forms from the court regarding a Cabot CCJ

It is for £1303 - its from a Vanquis debt. It went to court two years ago at my old address - haven't lived there in years and this is the first I have heard of the CCJ.

So as only now the court has found my new address they have sent the bailiff to hand deliver me the income and expenditure to fill in for an attachment of earnings. There is no arguing that I owe the money and I am willing to pay it back but don't really want it taken out of may pay - would happily send up a standing order. Would the court be likely to consider doing this if I explain this is the first I have heard of the judgement? Thanks

The creditor would have made a request to the court for an application to have the debt deducted from your wages. You are probably best to speak with the creditor. The court will simply be carrying out the instructions (to serve you notice of the Attachment against Earnings) on behalf of the creditor.

Please post back once you have made the call.

[jojojo]

Re: Court bailiff visit

I have spoken to them and they said that its in the courts hands, they said to make an offer of payment which the court would accept or not accept. The court said I can apply not to have it taken via attachment of earnings but not sure how to progress, if they decide my offer isn't high enough and take money out of my wages I could have a huge problem as I only earn £700 a month and £500 of that goes straight on rent.

[nemesis45]

Re: Court bailiff visit

I have spoken to them and they said that its in the courts hands, they said to make an offer of payment which the court would accept or not accept. The court said I can apply not to have it taken via attachment of earnings but not sure how to progress, if they decide my offer isn't high enough and take money out of my wages I could have a huge problem as I only earn £700 a month and £500 of that goes straight on rent.

Good morning,

Make a financial statement , a detailed income & expenditure sheet.

List all income. and all out goings. priority debts e.g. Rent/mortgage, utility bills any other court fine or judgement debt, living costs. council tax
etc. When you have done this you will arrive at a figure for your disposable income but deduct an amount for possible emergencies.

Use this to negotiate a payment plan with Cabot.

nem

[jojojo]

Re: Court bailiff visit

Hi Nem

Thanks for your reply, Cabot said they wont negotiate with me - its up to the court to decide. Is it true they will expect it paid back in 6 months. As I can only really afford £15-£20 a months.

Thanks

[nemesis45]

Re: Court bailiff visit

Hi Nem

Thanks for your reply, Cabot said they wont negotiate with me - its up to the court to decide. Is it true they will expect it paid back in 6 months. As I can only really afford £15-£20 a months.

Thanks

A court will not order you to pay more than you can reasonably afford without causing hardship so you must complete and I & E statement for the court.

nem