Hi i just filled in a budget assessment form on NDL website and i have uploaded them to here for advice on whether i should engage in applying for a DRO or go some down some other route?

for the ccj i pay i agreed to pay £50 pcm via the court

but now i am receiving weekly letters regarding other debts.

seems like lowell have attempted to purchase my wallet!

What debts do you have, how much.

Do you have a thread on them?

Have you checked them all for enforceability?

Have you reclaimed any charges/PPI etc?

they are catalogue and

mobiile phone debts also

a provident debt and

i think a payday loan debt.

i dont have a thread on them .

the debts are not beyond the 6 year period if that is what you mean .

i had 3 letters arrive today 1 from lowell offering me a 75% discount on £199! (jd williams)

1 from restons with an income/expenditure sheet saying i have rtill 30/11/2016 to contact them could result in further action which may include county court claim (£467) on behalf of capquest for a very account.

also 1 from santander saying they have passed my current account debt onto wescot. (£345)

75% discount should tell you everything.

"We wouldnt stand a chance in court Mr Meldrew so please at least give us a little bit of your money so we can have a good old knees up at xmas"

Seriously tho, you should send CCA requests for each and every account, save for the lowell ccj. All will have separate account/ref numbers so easy to separate them out. There are templates in our library to help and dont forget the £1 postal order for each one.

Now, the lowell ccj, whats that one all about? Was it a similar tyoe of debt, could it have been defended, was it a rubberstamped default judgement because you ignored the claim form?

hahaha yes whilst they dance around to "money money money it's a rich mans world!"

where will i find the account numbers ,

on clearscore,

they are starred out at the beginning.

i have have had letters before but just ignored them

but when 3 arrived today it peaked my interest in nosing through my credit file.

especially as one debt is now with the bank.

the ccj is from a debt with littlewoods and i'm not sure if it could have been defended as i am not well up on the procedures for defending debt or alleged debt.

at the time i thought "we" had no knowledge of the ccj being issued but i have recently discovered my partner likes to bin DCA letters!

so yes it was passed without defence.

i cannot say whether the forms ever arrived here or didn't.

i contacted the court and and filed 2 forms and the court accepted an offer of £50 per month to pay the ccj.

lowells wanted something like 200! but i'm actually paying b w legal for this ccj .

everything is so tangled up with debt recovery that i can't figure out what is owed to who and why ! on my clear score file.

why can't it just say Mr Meldrew purchased a sweeping brush from littlewoods for £250 (rrp £1.99) and defaulted 3 months later and the account (debt) was sold for £6 to lowells portfolio (instead of some starred out reference number)

oh and perhaps a visual signed credit agreement could be added

Each of the dca letters will have a reference number which relates to that specific account,

If you dont have the account or reference numbers,

ring the original creditors and ask them for them.

When was the ccj registered?

That info is on clearscore

the CCJ is bogus too.

They filed on another address,

you fell for it,

contacted the court

and they said they wanted more per month because they wanted payment before they were rumbled.

And you still gave them cash.

17th april 2014.

i ll find the numbers and then send them letters like you suggest.

one of the mobile phone debts i know is because i ordered two contract phones and the company cancelled one of the contracts but still sent me the handset!

So basically the CCJ is bogus too. They filed on another address, you fell for it, contacted the court and they said they wanted more per month because they wanted payment before they were rumbled. And you still gave them cash.

i can't be sure the ccj is bogus because the county court bailiffs had the correct address.

it was only when i had bailiffs contact me though that i knew about the ccj.

whether i owed as much as i am now said to owe i have no idea.

should of set the CCJ aside

looks like you are being HAD at are going to be had on all you debts if you go down the DRO route.

time for a few CCA request s

as for the mobile debt

I doubt you owe that either.

please don't sign your life away on a DRO

stand up to the fleecers

and TAKE CONTROL.

they the NDL thank you very much..but no thank you.

get an sar running to JD Williams

get a SAR running to Shop Direct.

make a thread for the CCJ

and tell us the story there please

sadly just like every debt management provider

they never ever check the enforceability of the debts

or that the full balance IS really true.

sorry i haven't been able to bring myself to do the things you have recommended i do.

fearful that i may end up having to repay all these debts at once as a consequence they all take me to court.

today received a county court claim form for 467£ from capquest (shop direct).

not sure what you mean by a signing my life away with a DRO..

st the moment i seem to be drowning in a puddle of debt .

more out goings than incoming with these companies chasing me for money i just don't have.

to top it off i'd actually be worse off employed .

these companies would likely go to take money out of my wage and i'd pay council tax + full rent.

who would think £976 a month would be better for a family of four than being in work!

these companies should not be allowed to lend thousands to people whose disposable income means it will take them 10+ years to repay what they owe!

it is brilliant when they say "yes" until the bills start coming in and you actually can't afford them

do they means test..

do they hell..

they ask whats the source of your income and how much

.. heres £500 credit. thanks

shop direct.(littlewoods, k&co , very, isme and every other one of you!)

ok well we can deal with all of it but your priority now is this claimform you have.

can you start a new thread

dx

i have done a new thread sorry for the rant. not aimed at you people who spend your time trying to help idiots like me.

not in the least

you rant me ole fruit

its better you do that than do something stupoid like paying these fleecers.

get the claimform thread running first and then well deal with your other debts

when you get 5 mins wack off a CCA request to each one like you are doing for the court claim in a bit when we have that Q&A up

the information on clearscore - will this be exactly the same as on one of the paid credit report sites? like experian for example.

just wondering because clearscore seems a bit short on detail.

they are all mostly free now

not all creditors use all the three sites

dx

Experian can now be accessed for free but it really only has your credit score, no account info as yet but may become better in the future as the others seem to include this

Experian can now be accessed for free but it really only has your credit score, no account info as yet but may become better in the future as the others seem to include this

i used checkmyfile which seems a lot more informative than clearscore. i guess paid sites need to have more detailed info to compete with free sites but i would think as the free ones become more detailed , the paid ones will either become free or obsolete.