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London1971

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London1971 last won the day on October 30 2020

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  1. It actually makes things worse paying of defaults, read up on statute barred. 6 years from the day of default, a debt becomes Statute Barred, unless of course you keep making payments, in which care it resets the clock back to 6 years again. Also forget about the moral angle, your daughter is just a number on a spreadsheet now , it's not like the money has been borrowed from friends , family or anything.
  2. There is a mis perception that CCJ's 'end up' on People's files, like they just walked on there, it just doesn't work that way. Each debt that defaults will be brought by a debt buyer (DCA) such as Lowell or Capquest, likely for pennies in the pound. You need to use critical thinking skills here, why would a creditor sell a debt so cheaply? The answer is, because most of them are unenforceable in court, and are very easy to defend, just read hundreds of cases on this forum for proof. Likely you are wondering why so many still receive CCJ's? I can guarantee you 99% of them are because most people think it's a smart idea not to inform the DCA when they have moved address. Due to a Quirk in English law that can result in an undefended default judgement. Many defaulted debts won't go anywhere near a court, Out of 20 Creditors I had, only 4 tried. That's why your Daughter is doing herself, her kids and you a massive disservice by paying a single penny.
  3. Do nothing and let them default, concentrate on your priority payments, Rent/ mortgage, Utilities, Council tax etc
  4. I'd write to Lowell, with your address. The text messages are inconsequential
  5. Just to weigh in here, I could tell you what happened to me, and how much of this kind of debt I was in but it would bore you.. She is wasting her time typing up SAR's etc and i.e sheets. Also wasting hard earned money paying them one penny even, money that could be paying for her kid's food etc. Even if she won the lottery tomorrow and paid off every penny, her credit rating would still be the same damaged as if she didn't pay back anything, that's why it's pointless.
  6. The best way of stopping them in their tracks is far easier and more effective than sticking a silly poster on the door, send an email to her local councillor, should be easy to find on Google. Explain the situation and that you are happy to provide a medical note from her GP / Consultant, then I'd give them a call on their mobile and explain things. It should take about 15 minutes to stop the Bailiffs. PS I'd also copy in the head of the council and Council tax revenue team into the email also. PPS I know this because I had the same problem
  7. Perfect, ignore all communication from them, nothing they can do, although being PRA I suppose they could be stupid enough to try and send a claim form for a debt that has been Statute Barred for better than a year. If that happens , simply come back here, but somehow I doubt it will.
  8. That's why you should never speak to any DCA by telephone, they are trained to pull your levers, manipulate you into paying something towards a debt that is completely unenforceable. The only thing you need to do is write to them with your current address, if you have moved home since that last payment.
  9. I had a lady call from Resolve Call, I old her the debt was Statute barred in 2018, she rolled her eyes and apologised, and said she'd not be bothering me again. They know full well how old these debts are.
  10. correct , that is exactly what they will do. Although you may need to explain how much you can afford. They are genuinely very sympathetic to people on low incomes also, they may ask for an income and expenditure sheet, and will certainly take your illness into account, and need to get a note from your GP or consultant.
  11. I have been through everything you have. Just was my wife who had the severe UC, we owe them £15,000. Nothing will happen, if you are still eligible for benefits they will take a tiny bit off them to pay it back. If not they will accept like a token payment per month according to your earnings. We pay £50 per month jointly. Forget about this, it's nothing enjoy the rest of your weekend, you deserve it.
  12. Cheers, Look forward to reading through some of those.
  13. Yup it states Paypal (Europe) S.A.R.L Luxembourg
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