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Assistance Needed - Attachment to Earnings
Hi all, first post so I apologise if this is not in the best location - please feel free to move it.
I need some help with a financial issue; some history:
I took out a loan with my partner which was secured on a property we owned back in 2004 (I think), everything was fine until we broke up and sold the property in 2006. We then continued to make payments at 50% each (to cover the monthly payment equally). My ex then stopped paying, and the loan company came to me for the balance of the payment, which I couldn't make, but I did continue to make my payments at 50%. At some point thereafter (and I am a bit cloudy on the dates), I stopped paying as I could no longer afford to make them. Some time passes, and in 2010 I receive a letter from the local court whom have enforced an attachment to earnings, after a hearing that I didn't know about.
The current situation:
The attachment to earnings has been going through fine since it was put there. I have reached a point in my life where I need to move on, and so want to find out exactly what the situation is. I spoke with my payroll department to check what details they have. The only paper work I have is the letter from the court advising how much money the attachment is for, and a couple of random statements from the lender, but the values do not tally at all, so I have written to the lender and made an SAR under the DPA, and a request under the Consumer Credit Act. The lender replied initially replied to the DPA request but I heard no more until I chased them, and then they asked for proof of identification. They asked for proof of identification from the off for the CCA request. There have been letters back and forth between myself and the lender with all the information I can give them, but they continue to advise they cannot identify me. I have spoken to the issuing Court, and they to have written to the lender, and to the best of my knowledge have not had a reply. I have been to the CAB, and the only advise they can give me is to go to the issuing court and get them to turnover their judgement. I have completed an N244 form and am about to send it to the court, but just want to find out if I have any other options. I am not a stupid person (barring getting in to this situation), however the whole legal thing baffles me and I don't want to go and stand in court and look stupid.
Any help you can give would be great, and I'm sorry for the length of this post.
I need some help with a financial issue; some history:
I took out a loan with my partner which was secured on a property we owned back in 2004 (I think), everything was fine until we broke up and sold the property in 2006. We then continued to make payments at 50% each (to cover the monthly payment equally). My ex then stopped paying, and the loan company came to me for the balance of the payment, which I couldn't make, but I did continue to make my payments at 50%. At some point thereafter (and I am a bit cloudy on the dates), I stopped paying as I could no longer afford to make them. Some time passes, and in 2010 I receive a letter from the local court whom have enforced an attachment to earnings, after a hearing that I didn't know about.
The current situation:
The attachment to earnings has been going through fine since it was put there. I have reached a point in my life where I need to move on, and so want to find out exactly what the situation is. I spoke with my payroll department to check what details they have. The only paper work I have is the letter from the court advising how much money the attachment is for, and a couple of random statements from the lender, but the values do not tally at all, so I have written to the lender and made an SAR under the DPA, and a request under the Consumer Credit Act. The lender replied initially replied to the DPA request but I heard no more until I chased them, and then they asked for proof of identification. They asked for proof of identification from the off for the CCA request. There have been letters back and forth between myself and the lender with all the information I can give them, but they continue to advise they cannot identify me. I have spoken to the issuing Court, and they to have written to the lender, and to the best of my knowledge have not had a reply. I have been to the CAB, and the only advise they can give me is to go to the issuing court and get them to turnover their judgement. I have completed an N244 form and am about to send it to the court, but just want to find out if I have any other options. I am not a stupid person (barring getting in to this situation), however the whole legal thing baffles me and I don't want to go and stand in court and look stupid.
Any help you can give would be great, and I'm sorry for the length of this post.
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