Payments being taken from your wages for council tax arrears should also stop. You should include any magistrates' court fines in your application for an administration order.
It is common for the fine to be left out of your administration order by the district judge. It is important to keep paying the fine as normal to the magistrates' court until it is agreed that it can be included in your administration order. Otherwise the magistrates' court will take other action against you. See our Magistrates' court fines fact sheet for more information. If you are having a weekly deduction made from your benefit for a social fund loan or overpayment of benefit you may find the Department for Work and Pensions DWP will continue to make deductions and object to being included in your administration order.
You should still include a social fund loan in your application but it is likely to be left out by the district judge. This is why it is very important to keep up with the payments or ask the court to reduce your payments if you can no longer afford them. If your administration order is revoked your creditors can pursue you again for each debt you owe in full, even if you had a composition order made. Details of your administration order are kept on the Register of Judgments, Orders and Fines.
This agency should mark your file to show the debts and the administration order are satisfied. If you have a composition order on your administration order then you can still get a certificate of satisfaction to show the administration order is paid but individual county-court judgments and other debts showing up on your credit reference file will not be marked as satisfied as they have not been paid in full.
None of your creditors listed on the administration order can take further action against you if your administration order has finished, either because you paid it in full or paid the amount owed under the composition order. If you are only paying a very small amount to your creditors there is a danger that your administration order could go on for years.
A composition order is a way of trying to make sure that this does not happen. If the district judge makes a composition order, it means that you only have to pay part of your debts, usually an amount that you could manage to pay over a three-year period. Although the court should automatically consider whether it is appropriate to make a composition order in your case, you can use the anything else you would like the court to take into account box in PART C of the application form to say you would like a composition order.
When applying for a composition order you need to work out how much you can afford to pay each month. This is then compared with how much you owe. The result is that for every pound you owe, you will only pay a percentage of this off your debt. In the example shown below 11 pence is paid for every pound owed. If you do not have a composition order made, you can apply for one separately even after your administration order is up and running.
To apply for a composition order after the administration order has been made, use a form N which you get from your court. You should not have to pay a fee for this application. The court can either agree your application or ask you to go to a hearing with a district judge in the County Court.
Your application should not be rejected without a hearing. Council tax arrears fact sheet. Credit reference agencies fact sheet. Magistrate court fines fact sheet. Can you still help me? Q: I have paid up all the debt that was under the administration order and my administrator has given me a section 74U certificate but the administration order still reflects on my credit report. What can I do to remove the administration order from my credit reports? A: A section 74U certificate is issued by the administrator once the costs of the administration and the listed creditors have been paid in full.
However, the credit bureaux do not remove an administration order simply on the basis of the section 74U certificate as a rescission order must still be obtained. However if you use a screen reader and require debt advice you may find it easier to phone us instead.
Freephone including all mobiles. Home Debt information Debt solutions. Worried about debt? Free, online debt advice available now Get debt help. Administration order. What is it? An administration order is a repayment plan arranged by the County Court. Is an administration order right for you?
How an administration order works In England and Wales: First, you fill in an N92 court form listing your income, expenses and debts, and take this to the court. How will an administration order affect my credit file? What happens if my circumstances change during the administration order? What debts can I include in an administration order? Free debt advice We provide free, impartial debt advice to hundreds of thousands of people every year.
We're rated.
0コメント