Help, Help, Help, in a blind panic

[Amethyst]

Re: Help, Help, Help, in a blind panic

for ref: I know its nice to sort out the wording on paper that looks the business

case/claim No: [claim number]

In the [insert court name] County Court

[insert name]

CLAIMANT

-AND-

[insert name]

DEFENDANT

DEFENCE

1:

and honestly thats absolutely fine by the court, gives you a lot more space to play with and looks more serious IMO.

[jet_black]

Re: Help, Help, Help, in a blind panic

I always though I'd get in trouble if I didn't use the correct form. Thanks

[jet_black]

Re: Help, Help, Help, in a blind panic

Could someone have a butchers at this and let me know if it is ok please?

[enaid]

Re: Help, Help, Help, in a blind panic

Looks ok to me, just thinking though that looks a little low for gas and electric tbh.
It may be what you are paying now but it will definately go up, just mentioning it because if it does you will have to cut back on other things and it will leave it a bit tight IMO.

[Amethyst]

Re: Help, Help, Help, in a blind panic

That looks good to me....well done. It can be hard getting it all down.

The Credit Debts bit once the defence is in need to make sure you write to all those creditors with a copy of same budget sheet and offer those amounts for repayment. Some will accept, some won't and you might get taken to court - but if you can show you have tried to negotiate and started paying those amounts then its all the better.

How you doing on the defence/admission bit?

[jet_black]

Re: Help, Help, Help, in a blind panic

That looks good to me....well done. It can be hard getting it all down.

The Credit Debts bit once the defence is in need to make sure you write to all those creditors with a copy of same budget sheet and offer those amounts for repayment. Some will accept, some won't and you might get taken to court - but if you can show you have tried to negotiate and started paying those amounts then its all the better.

How you doing on the defence/admission bit?

Simple answer, pathetic

case No: xxxxxxxx

In the Derby County Court

Nemo Personal Finance

CLAIMANT

-AND-

xxxxxxx

xxxxxxx

DEFENDANT

DEFENCE

1.Save as is specifically admitted in this Defence – the Defendant denies each and every allegation set out in the particulars of Claim.

• It is admitted that the Defendant has a Loan Account with the Claimant numbered xxxxx

• It is admitted that the Defendant has an outstanding balance on the account to the value of £18,140.39, as detailed in the particulars of claim.

• The Defendant asks the court to order interest be frozen on this account at the point of Judgment
• The loan is regulated under the consumer credit act 1974

[Amethyst]

Re: Help, Help, Help, in a blind panic

lol don't look so confused - going good mrs :hug:

You need to do how much you want payment to be determined at, why, and that your I/E is attached appendix A etc.

Now does the account have a balance of 18140 or is that court fees/sols fees etc as well ?

[jet_black]

Re: Help, Help, Help, in a blind panic

lol don't look so confused - going good mrs :hug:

You need to do how much you want payment to be determined at, why, and that your I/E is attached appendix A etc.

Now does the account have a balance of 18140 or is that court fees/sols fees etc as well ?

that is the total amount they are claiming including costs

I have now amended the I/E so that I am allowing £75 each for gas and electric so it will even out about right over the year then.

[Amethyst]

Re: Help, Help, Help, in a blind panic

take the costs out and admit the actual balance of the account.

[jet_black]

Re: Help, Help, Help, in a blind panic

righto, I am also adding to the defence that our circumstances have changed since aquiring the loan. Hubby is in lower paid employment and I am unemployed and not on JSA.

[Amethyst]

Re: Help, Help, Help, in a blind panic

brilliant

[jet_black]

Re: Help, Help, Help, in a blind panic

case No: xxxxxxxx

In the Derby County Court

Nemo Personal Finance

CLAIMANT

-AND-

Mr. xxxxxx

Mrs. xxxxxxx

DEFENDANT

DEFENCE

1.Save as is specifically admitted in this Defence – the Defendant denies each and every allegation set out in the particulars of Claim.

• It is admitted that the Defendant has a Loan Account with the Claimant numbered xxxx
• It is admitted that the Defendant has an outstanding balance on the account to the value of £17,780.39, as detailed in the particulars of claim.
• The Defendant asks the court to order interest be frozen on this account at the point of Judgment
• The loan is regulated under the consumer credit act 1974
• The defendant has included a full and true statement of income and expenditure.
• The defendant wishes to offer a payment of £100.00 per calendar month starting on 25th August 2008.
• The employment status of the defendants is as follows: Mr. xxxxxxx Is in full time employment as a school caretaker with a gross salary of £13062.00. Mrs. xxxxxx is currently unemployed and not claiming Job Seekers Allowance. Mrs. xxxxx’s employment ended voluntarily due to stress in February 2008.
• The defendants do not have any assets or savings.
• The defendants live in council accommodation.
• The defendants have 2 dependent children under 11 years of age.
• The defendants do not currently have any outstanding court orders.

[jet_black]

Re: Help, Help, Help, in a blind panic

Here's the amended I/E, strictly speaking the majority of the credit debts are going to be disputed, but I thought they should be shown on here so that Nemo see they aren't the only pack of wolves after our blood.

[Amethyst]

Re: Help, Help, Help, in a blind panic

The employment status of the defendants is as follows: Mr. xxxxxxx Is in full time employment as a school caretaker with a gross salary of £13062.00. Mrs. xxxxxx is currently unemployed and not claiming Job Seekers Allowance. Mrs. xxxxx’s employment ended voluntarily due to stress in February 2008.



Looking good so far




not sure 100% but maybe you could put employment ended voluntarily after being medically diagnosed with stress and depression in February 2008.

[jet_black]

Re: Help, Help, Help, in a blind panic

the diagnosis was made some time before then, I returned to work part-time after mat leave and found I just couldn't cope with the stress of the work itself. I would ultimately like to go back into education to do something a bit more worthwhile.