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ROSE28454

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  1. Have decided to ignore as per the advice. Thanks
  2. I today received a letter from Resolvecall on behalf of Arrow Global. They head it Arrow Global Reconection. It says I owe a large sum to Lloyds Tsb and they want me to contact them. However none of the references numbers are ones I recognise and the amount doesnt equate to anything I owe. I did have a small loan that I owed Lloyds but though this was paid and a more than ten year old credit card debt that is Statute Barred. How do I respond?
  3. Yes good idea ill contact the contractors when I know who they are. Will call the drying company who are arranging it tommorow. If they are not going to replace the floor in the kitchen I might ask how much they will charge to take it up and seal the whole floor. Then I can have a whole new floor whoever pays.
  4. The situation I believe although they are going to seal the exposed parts of the kitchen they seem to not want to test it even though it looks exactly the same as the other 2 floors. As I recall all the floors downstairs in our house had the marley tiles on the floor when we moved in 35 years ago and it therefore seems likely all the floors have an asbestos content and as we are having a new kitchen it may not cover the floor exactly the same as the existing kitchen did. They are replacing the carpets in all the upstairs bedrooms even though only edges of some carpets were damaged. So my point is they will replace the whole of the kitchen and all the other floors the kitchen is not being regarded in the same way. The kitchen was removed in order to dry the wall behind it. Is that spacing better
  5. 4 weeks ago I had a escape of water from a tank in my loft. I have water damage to every room which will entail complete redecoration, new carpets, new electrics and a new kitchen. I live in an old council house and they tested the lounge and hall floors for asbestos in the bitumen that covers those floors ( under the carpets) but up to the edge of the kitchen units there was a tiled floor ( that we installed some years ago ). They did not test this but once the kitchen units were removed it exposed more of the bare bitumen floor. I asked for it to be tested but it was not deemed necessary. Now they intend to seal the lounge and hall floors and seal the exposed parts of the kitchen floor. Do you think it is unreasonable of me to expect the whole kitchen floor to be replaced? Bearing in mind they are taking up the old marley tiles from under the carpets in the lounge.
  6. Just had an email from the loss adjuster detailing their plan of action with the work etc so that sounds ok I think I was worried for nothing. All going ahead with insurers. Thanks
  7. My house was flooded last week as the ball cock broke off in the tank in the loft. Loss adjustors have been appointed and drying company and electricians have been out and set up a separate power supply to start the drying process. I am in a hotel staying that the insurers have arranged. Loss adjustor came on friday and had a good look around took photos and asked me some questions. One of the questions was did I have any criminal convictions or CCJ'S. I said not to convictions and that I had a CCJ about 9 years. I think it was paid but really cant remember as I was in a very bad period in my life at that point. A lot of my paperwork from then has been thrown away ( in error ). I believe that CCJ information disappears after 6 years so I dont think I can check. I have looked through my paperwork for the insurance policy that covers the damage and the question about CCJ'S does not appear only questions about convictions and being bankrupt. Both of these I answered no to as that was the case. I just wondered why the loss adjustor asked and would he be referring to CCJ's from the last 6 years ( of which I have none ). I looked at my sisters insurance papers at hers today and her insurers NFU ask about CCJ'S aswell as IVA's and Bankruptcy. But they then say they are only interested in CCJ' whether unsatisfied or satisfied from the last 5 years. I dont want this to be a reason why they dont pay out and I did correctly answer the questions when I took out the insurance. Am I worrying for nothing?
  8. Thanks for that. I will just file the letters away and wait for the 24.5.16 to come.
  9. After some years I had a letter from DLC concerning the above account. They keep writing and in August last year and i responded to say it is statute barred. They wrote back to say that was wrong as i had paid a payment to them on 24.5.2010. They have been writing every month since offering various discounts I recieved a letter yesterday offering 75% discount and that my account would show as partially satisfied. Firstly it does not show on my credit file anyway, secondly why only partially satisfied surely full and final settlement means they write the rest off and lastly they never sent a proper agreement when asked. How do I proceed.
  10. In order for us to help you we require the following information:- Name of the Claimant ? Lowell Portfolio Date of issue – 11 dec 2015 Date to submit defence = by 4pm 12th jan - What is the claim for – the reason they have issued the claim? 1. The defendant entered into a Consumer Credit Act 1974 regulated agreement with Lloyds under account reference xxxxxxxx (THE AGREEMENT) 2. The defendant failed to maintain the required payments and a default notice was served. 3. The Agreement was later assigned to the claimant on 24.6.2014 n notice given to the Defendant 4. Despite repeated requests for payment, the sum of £1335.00 remains due and outstanding And the claimant claims a) The said sum of £1335.00, b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignement to the date of issue, , accruing at a daily rate of £0.293,but limited to one year, being £106.80, c) costs What is the value of the claim? Is the claim for a current account- Bank Loan account When did you enter into the original agreement before or after 2007? - Not sure Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. - Issued by debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? - I knew they had been assigned the debt Did you receive a Default Notice from the original creditor? - Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - Think so Why did you cease payments? - due to my marriage splitting up What was the date of your last payment? At least 5 years ago Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No
  11. I acknowledged the claim within 14 days ( but it was over Xmas) and defence deadline is another 2 weeks away. When I asked them they said they had not been informed by court yet
  12. I took a loan with Lloyds some years ago and the debt was passed to Lowell last year or so. They have been sending me letters I received court papers early December. I acknowledged them and spoke to them a couple of days ago as over Xmas I received a letter saying they would go for judgement if I didnt respond or pay by 6.1.16. I managed to get through to them yesterday after trying since Saturday. I was inclined to pay all the money ( with a loan from family ) as I have managed to clean up my credit file last couple years and dont want a CCJ. They said I could make an arragement to pay monthly and they would not get judgement. Is this true?
  13. I just had a text from my brother to say he doesnt need me to pop over as he has spoken to a solicitor who is going to sort it. the court date is today as brother has asked for a set aside and they said no and want to go for a charging order. Many thanks all must start to deal with my own problems and let others deal with theirs!!
  14. He is going to deal with it but needs to be faxed the scanned paperwork in the morning and my brother is away working at present.
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