Posting on behalf of someone
Got ILR 3 years back, about 2 years back I was going through a rough patch and got divorced. My debt i.e.
- credit card bills
- personal loan payments
- car loan
- council tax bills
- Utility bills
- even TV Lic
started to build up and was behind payment on all of them.
I arranged some money and First payed off my pending council bills, TV Lic and Utility bills via a directly agreed payment plan within 6 months - last payment plan cleared about 9 months back. Have not defaulted a payment in last 2 years.
Before agreeing payment plan, Council threatened to go to court - even sent me court notice, I called and arranged this payment plan and they retracted my case - so no hearing took place. I did not get anything direct from court. Is this CCJ?
As per credit card bills, personal loan and car loan payments - have agreed on payment plan via a debt agency 2 yrs back and have been paying in time since last 2 years.
Have not defaulted a payment in last 2 years.
So in summary - a lot of payments backlog about 3 years back for about 12 months, then agreed on payment plan and have been paying since last 2 years. Apart from council, did not get a court threatening letter from anyone - but they retracted the case after agreeing payment plan.
NO CCJs or bankruptcies.
I know I can apply - but should I apply please?
Thanks
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