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Mike75

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  1. Please can you delete all my piosts above , this forum seems to work for the credit card companies, I tried to be discreet and not name any companies, you change the title to identify the company. You do not answer my questions, are really unhelpful and tell me to contact the creditor when I have explained that this causes me profound mental health problems. I have looked up the ltd company that runs this site and will be making a complaint to the directors. I will also be contacting the debt charities and the mental health charities to warn them not to refer people to this site. Please delete my posts immediately and/or the whole thread.
  2. They are not irrelevant to me, they are really important to me and will help me with anxiety. I thought the idea of forum was to help people, even if you think you know better your lack of sensitivity does not help. I am not going to be able to check my credit file because it would update my credit file and as I have already stated I can't cope with the onslaught of mail and threats, in case you missed it that causes me anxiety. It seems the advice here is to just identify yourself to your creditors. I will call Northants tomorrow. Meanwhile I would be really grateful if you would answer my questions above.
  3. Thanks for prompt reply albeit you seem to be blaming me. I did not run away, I lost my home, my family, child in A&E 6 times and now has seziures, I was street homeless for 6 months, then in temp housing for a year, after RTA that left me disabled, I have debt I cannot hope to pay in my lifetime. Also lost last parent who I could not even see as could not afford to get to other side of country and sibling with Cancer. So keeping them updated not top of my priorities but I do monitor their activities. I am in major depression, doing alll I can to not top myself, I have 4 plans, including one if there is forced entry, but not looking for any sympathy here, I just wanted my questions answered to relieve anxiety. Debt companies and their letters make me more depressed, but I have made sure I get their post, but no point in contacting them as I was told it keeps the debt alive. You said "The fact it might be sb'd is somewhat immaterial as its a robo claim that no human check as it went undefended" How can I defend something if I am not informed? I have had letters from other debt collectors and was going to send a letter from your site if they went past SB date. If they had sent anything to do with Court I would have written to the Court explaining my position with medical evidence and showing my only income is ESA and I am overdrawn. My total debt is a multiple of DRO level and I cannot afford to go Bankrupt, not that I could cope with that mentally, I would rather end things. How can they send a "robo claim" without sending warnings, Cap have not sent anything for years, others have palmed off to debt collectors. I did state that it was Credit Card Debt I do not have a claim form, just a letter saying "We wrte following the award of a County Court Judgement against you in favour of our client" It says they have been instructed to seek a warrant of control and adds up all the fees this will generate, saying they a bailiff will attempt to recover debt or levy goods etc. They say I have to fully complete a 6 page form. If I ring Northampton, how will they confirm I am who I say I am, will this trigger searches online or them providing my email to other side? I do not have a Court Reference number or a date of hearing. I would really appreciate it if you could answer the questions I asked in my original post (below). Many thanks
  4. Hi Sorry if this is in wrong thread, I can't seem to find a forum for aging Credit Card Debt. I was under the impression that Consumer Debt, i.e. Credit Card Debt, could not effectively be enforced beyond the 6 years without a CCJ and that it was not worth their while to obtain a CCJ. Is this not the case? A letter sent to address not been at for 2 years said Cap had obtained a CCJ, yet no Court Documents served warning of a hearing etc served to either current or old address. Is this a stunt they achieve by doing things in bulk? We hear of Courts signing things off leaving victim to deal with outcome. Says they are going to seek a warrant of control, I am on permanent ESA Last payment was about 6 years ago, which suggests to me that they have correct paperwork. I foolishly kept the debt alive for years with small payments before life changing incidents meant I could no longer service debt. Will a Court take what little money I have, £5 a month would take 500 months! I was told under consumer credit act that interest was frozen, now they are adding fees for taking me to Court. Does this mean they can add more fees and interest? Do the Court come after me for Warrant of Control or do Cap have to pay them? Is this a keep alive tactic that just adds 6 years of hopelessness to it? I do not want to re-awaken this or other debts.
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