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Hi i was wondering if someone can help me? i owed scottish gas £32 and couldnt pay it cause i havnt got it im a single mum on income support, ive now received a letter from moorcroft debt recovery saying its now been passed over to them and they require immediate payment they are saying they will recommend court proceedings and it will effect my future credit rating! regards!

See my answers to your earlier posts. If we can try to help you we do need to know a little more about your current financial circumstances.

hi melanie sorry i havnt been to clear, i owe ccs £117 and i owe moorcroft £32 i also got a parking fine from parking eye for £70 but moorcroft has been intouch about that aswell but cant afford to pay it, im on income support i get £60 weekly and child tax credit of £170 monthly and child benifit £70 monthly, i need to pay my council tax £30 monthly and my phone bill of £30 monthly also my car insurance of £30 monthly then i need shopping/food/clothes for me and my child, my tv licence aswell is £35 every 3 months hope this helps! tracy

Your debts are relatively low, that I feel that the Citizen's Advice Bureau could be a real help if you could get an appointment. I rarely would recommend the use of an Administratin Order to anyone, but this may well be the solution for you and the CAB will be able to explain how these actually work.

Doesn't sound like she has a CCJ Mel, and unless I am wrong then you need at least 1 CCJ before an admin order becomes an option?

Regards.

Hi melanie thanks for your reply i dont know what a administratin order is but i will give cab a phone tmrw and make an appoinment thx again X

Hi size5 i dont know what a CCJ is? regards

its a county court order

County Court Judgement, usually for unpaid or unaffordable consumer debts.

Regards.

will i need one? regards

For an Admin order yes, but you look to owe very little in the grand scheme of things, although that is not to say that it is not very worrying from where you are sat, so perhaps a visit to the CAB may well be in order.

Regards.

I didn't know that Size - to be honest they are not something I have ever had anything to do with to be honest. Thanks for the tip - and it goes to show that we need those Debt Relief Orders asap for people struggling with low debts.

thank you melanie size5 and look divine X

Indeed, Admin Orders are virtually obsolete in as much as they cannot deal with debts over 5k so have slipped way off the radar as far as the likes of you or I are concerned.

I do remember 25 years ago though, when I was still in this field but on the other side, when they were really quite common.

Regards.

Hi melanie im back to ask you another question while im on here (hope thats ok)ive been divorced 2 yrs come january, i bought a house with my ex husband about 2 and half yrs ago, my name is still on the title deeds and going thru a lawyer just now to try and sell the house so i can remove my name and hopefully get half of the money whatever its made, was talking to a friend of mine other day and she said the house is now boarded up with no one living in it, will the house get repossesed? is there anything i can do so i wont get black listed, havnt seen him in over 2 yrs now and he is no where to be seen! Can i force a sale before it gets repossesed? how does this work? regards