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Firstly Hi, sorry to be starting with a post like this but I could really do with some help and advice.
I have received an N1CPC claim form from Northampton County Court
CLaimant: Lowell Portfolio LTD
Address for payments etc: B W Legal
Defendant: Me
Claim for the sum of 905.41 being moneys due from the defendant to the claimant under a non-regulated communications agreement between the defendant and EE Limited (Formerly T-Mobile UK Ltd).
Under court account ref ******* and assigned to the claimant on 27/08/2009 notice of which has been given to the defendant. The defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with.
The claim also includes statutory interest pursuant to section 69 of the county courts act 1984 at a rate of 8.00% per annum (a daily rate of 0.13 from the date of assignment of the agreement to the date of issue (28/11/2013) being an ammount of 202.15
Amount claimed: £780.41
Court Fee: £55.00
Solicitors Costs: £70.00
Total Amount: £905.41
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I'm really not sure where to start.
Firstly I've had no previous contact about this. After recently splitting with my girlfriend she has been sending any letters away as 'not known at this address' (anything important I have had my contact details changed to c/o my parents address).
We've managed to patch things up and are now back together (we'd just let things get on top of us, 2013 has not been the best of years) and then this letter/form arrives.
I do know that I had a small debt with T-mobile of less than £200 going back some time which I had one day meant to clear up. Unfortunately I have not had the spare cash to pay an amount even this tiny as I currently have an order connected to my wages from the CSA (Child support agency).
This is a whole other story which I may approach at a later date if it is something dealt with on these forums, but, suffice to say, I love my children very much and have always done my best to make sure they do not go without. But due to the complexity of my case (i.e. I got married and divorced twice (I didn't learn the first time)) it meant that as both of my ex wives could not agree on how the case was to be handled, it had to go through the CSA and my first ex wife (who is still pretty bitter after 14 years) demanded that it be dealt with via an attachment of earnings order. (Unfortunately during a period of depression during the second split I lost my job and missed a few payments, Hence the order) . I'm going off track a little here but basically the order takes the maximum amount allowed by law from my wages already. There are government guidelines that state I still need a minimum amount to live on myself. They can take 25% of my earnings for my children and then more up to the maximum 40% to clear my debt.
So trying to get back to my original query, what do I do now? I don't own any property, a car or anything of any real value, I live with my girlfriend in her house, we are not married, she has a mortgage, we live together as a married couple and simply put all our money into one pot each month and pay the bills. She lost her job last month and is finding it difficult to find another, she's only ever done one type of work her whole life and has now been priced out of that by companies sending work abroad as its cheaper, plus, she's the wrong side of 50 now (I can say this as she's not reading it) and of course that does not help when looking for work.
I hope I've not gone too far off track here, I've tried to add as much info as possible but please let me know any other details required to help me get the right advice.
Sorry for the super long first post, I am working from home today in the hope that I can try to get something sorted with this as by my calculations I only have 5 days (inc today) left to reply. I would like to try to get this sorted today if possible as I may not have much time later in the week to do much as it will be very busy at work and I have to be careful there too as they are trying to get rid of me at the moment (another long story, lots of time off following an operation, and they're trying to say I am no longer 'capable' of doing my job). As I said, 2013 has not been a very good year.
Many thanks for taking the time to read my post if you've got this far.
JD
I have received an N1CPC claim form from Northampton County Court
CLaimant: Lowell Portfolio LTD
Address for payments etc: B W Legal
Defendant: Me
Claim for the sum of 905.41 being moneys due from the defendant to the claimant under a non-regulated communications agreement between the defendant and EE Limited (Formerly T-Mobile UK Ltd).
Under court account ref ******* and assigned to the claimant on 27/08/2009 notice of which has been given to the defendant. The defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with.
The claim also includes statutory interest pursuant to section 69 of the county courts act 1984 at a rate of 8.00% per annum (a daily rate of 0.13 from the date of assignment of the agreement to the date of issue (28/11/2013) being an ammount of 202.15
Amount claimed: £780.41
Court Fee: £55.00
Solicitors Costs: £70.00
Total Amount: £905.41
---------------------------------------------------------------------------------------------------------------------------------------------------------------
I'm really not sure where to start.
Firstly I've had no previous contact about this. After recently splitting with my girlfriend she has been sending any letters away as 'not known at this address' (anything important I have had my contact details changed to c/o my parents address).
We've managed to patch things up and are now back together (we'd just let things get on top of us, 2013 has not been the best of years) and then this letter/form arrives.
I do know that I had a small debt with T-mobile of less than £200 going back some time which I had one day meant to clear up. Unfortunately I have not had the spare cash to pay an amount even this tiny as I currently have an order connected to my wages from the CSA (Child support agency).
This is a whole other story which I may approach at a later date if it is something dealt with on these forums, but, suffice to say, I love my children very much and have always done my best to make sure they do not go without. But due to the complexity of my case (i.e. I got married and divorced twice (I didn't learn the first time)) it meant that as both of my ex wives could not agree on how the case was to be handled, it had to go through the CSA and my first ex wife (who is still pretty bitter after 14 years) demanded that it be dealt with via an attachment of earnings order. (Unfortunately during a period of depression during the second split I lost my job and missed a few payments, Hence the order) . I'm going off track a little here but basically the order takes the maximum amount allowed by law from my wages already. There are government guidelines that state I still need a minimum amount to live on myself. They can take 25% of my earnings for my children and then more up to the maximum 40% to clear my debt.
So trying to get back to my original query, what do I do now? I don't own any property, a car or anything of any real value, I live with my girlfriend in her house, we are not married, she has a mortgage, we live together as a married couple and simply put all our money into one pot each month and pay the bills. She lost her job last month and is finding it difficult to find another, she's only ever done one type of work her whole life and has now been priced out of that by companies sending work abroad as its cheaper, plus, she's the wrong side of 50 now (I can say this as she's not reading it) and of course that does not help when looking for work.
I hope I've not gone too far off track here, I've tried to add as much info as possible but please let me know any other details required to help me get the right advice.
Sorry for the super long first post, I am working from home today in the hope that I can try to get something sorted with this as by my calculations I only have 5 days (inc today) left to reply. I would like to try to get this sorted today if possible as I may not have much time later in the week to do much as it will be very busy at work and I have to be careful there too as they are trying to get rid of me at the moment (another long story, lots of time off following an operation, and they're trying to say I am no longer 'capable' of doing my job). As I said, 2013 has not been a very good year.
Many thanks for taking the time to read my post if you've got this far.
JD
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