What happens if you owe money to Boston Mayflower

What happens if you owe money to Boston Mayflower?

Whatever the type of debt, contact us immediately to discuss your situation and agree how the debt is to be paid.

If you don’t do this, we will take action to recover the money. The type of action we take will depend on the type of debt.

If the money is rent for your home, we will issue a “claim for possession”. If the money relates to other types of debt, we will issue a “claim for money”. Whatever action we take, we will always tell you what we are doing and what you need to do if you don’t want further action to be taken.

Claims for possession may go through these stages:

Stage

What it means

What you must do

Notice Seeking Possession

You are being warned that a possession claim may be made after 14 or 28 days (depending on your tenancy conditions). The notice is valid for 1 year.

Before the 14 days or 28 days are up, contact us to discuss repayment.

Claim for possession

You have not cleared the debt or kept to the terms of the repayment agreement. There will be a hearing at the County Court.

Contact us before the hearing to agree a payment plan.

Attend the hearing to put your case to the judge.

Court order (order for possession)

     OR

You must leave your home by the date specified in the order.

Contact us to discuss your options. We may allow you to remain in your home if you make a repayment agreement with us.

Court order (order for possession- suspended)

You may remain in your home provided you pay off the rent arrears as ordered.

Pay as ordered and contact us if there are any problems.

Warrant of possession

You have not complied with the court order. You will receive a notice of eviction telling you the date and time when you will be evicted by the court bailiff.

Contact us to discuss your options. If you want to stay in your home, make an application to the court to suspend the warrant and at the hearing put your case to the judge.  Don’t leave this to the last minute: a judge may not be available to consider your application.

Eviction

You have not applied to the court to suspend the eviction or the court has dismissed your application. The court bailiff will attend and the locks to your home will be changed.

Remove all your belongings and put right any alterations you have made, otherwise you will be recharged. Tell us where you are going and agree how you will pay off the arrears. We will continue to pursue the debt even after you have left.

 

 

 

 

Claims for money may go through these stages:

Our Stages

Stage

What it means

What you must do

Pre-action letter

You are being warned that a money claim may be made after 7 or 14 days (the letter will specify which).

Before the 7 or 14 days are up, contact us to discuss repayment. If you dispute the debt or the amount of the debt, provide us with details of your reasons.

Claim for money

You have not cleared the debt or kept to the terms of the repayment agreement  OR  we do not accept your reasons for disputing the debt.

Within 14 days of receipt of the claim, admit the claim (telling the court how you intend to pay off the debt) or file a defence.

Money judgement (by default) OR

You have not responded to the claim within 14 days and we have asked for judgement in our favour.

Contact us to discuss how you intend to pay off the debt.

Money judgement (after hearing)

You have entered a defence, the court has decided there needs to be a hearing and at the end of the hearing the court has ordered you to pay off the debt.

Attend the hearing to put your case to the judge.

Pay as ordered and contact us if there are any problems.

 

County court judgement  (CCJ)

Details of the court order will be added to the Register of Judgements. You will find it difficult to get credit.

Pay off the debt and ask that the judgement be marked as “satisfied”.

Order to attend for questioning

You have not paid as ordered and we need to find out about your financial circumstances.

Attend court at the appointed time and provide full details of your income, outgoings, possessions, etc. If you don’t, you risk being sent to prison.

Enforcement

This will take the form of a warrant of control (seizure & sale of goods), attachment of earnings , or a third party debt order (freeze of & deduction from bank account).

Co-operate with the court and its officers and follow the instructions issued by the court.

 

For free, independent advice on what to do if you are subject to any of the above court proceedings, contact your local Citizens Advice bureau.