Marstons

A question about : Marstons

I came home on the 10th December to find a Notice Of seizure through my door from Marstons.

I am at my witts end and suffer from sever anxiety and depression and this is effecting my health to the point I am scared to leave the house.

I have spoken to the baliff on his mobile phone about the situation and he wont accept monthly or weekly payments. The original debt was Ј536.49 then went to Ј704.40 with court costs. The debt Marston now wants is Ј1,102.58 they have charged me Ј286.12 to put htis notice through my door and Ј111.75 execution costs.

The debt occurs from a previous employer who claimed they over paid me wages before I left their company. I have on numerous occasions disputed this debt, but they took me to court and the CCJ was ruled. This in turn has caused my health to deteriorate.

I dont know what to do. It is a week before Christmas and I live here with my only child alone. We currently have nothing to the point I am relying on food parcels.

Please can someone advise me before the few items i actually own are taken. I just dont know what to do and I am worried sick.

Best answers:

• National debtline has a really useful factsheet on this here:
  https://www.nationaldebtline.co.uk/en...court_judgment
  Best of luck
  df
• Hi There
  First do not worry too much about the Bailiffs as their bark is far worse than their bite
  They can only gain entry by peaceful means, which includes gaining access through a window.
  They cannot call the Police to help them gain entry
  Keep the door locked and do not answer the door for the next few weeks unless you know who is calling (for peace of mind)
  Even if they do gain entry the Bailiff will take an inventory of what he can sell called a (Walking Possession)
  What the Bailiff cannot take or will not take
  White goods, i.e. washing machine, fridge freezer, cooker, most electrical goods including TV as they have to now be pat tested so they can be stored safely, goods belonging to other people (including children's possessions and games) and goods on HP
  You stated in you post you have very few items so it is highly unlikely they will want your goods
  The bailiff generally wants an easy life; other words he wants paid not your goods, unless you have something of value
  If the Bailiff cannot collect they will return the account back to the agent who instructed them
  If will be then up to you to sort out a payment plan with your ex employer that is affordable and sustainable by you
  However
  Regarding the overpayment of wages did you attend court, or respond to the court forms sent to your address. This would have enabled you to submit a defence disputing the claim
  You may have a chance of setting aside the CCJ
  if you were not aware that a claim had been issued and can convince a Judge that you genuinely did not receive the claim form or there was some reason why you did not defend the claim
  Have a reasonable chance of defending the claim (dispute)
  On the information provided you should contact your local Citizens Advice Bureau (Debt Adviser) who will prepare a Financial Statement with you and will be able to advise you on a payment plan or help setting aside the CCJ or making an application to suspend the Bailiff Warrant
  Please read the factsheet on the previous thread
  Enjoy your xmas and New Year