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    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Some advice on personal debt


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I've got 4 accounts totalling £10K in debt, either credit card or bank loans.

All 4 are defaulted on my credit report and are all around 4 years old.

 

I received a 'Pre-Legal Assessment' letter from Lowell regarding one of this accounts this morning advising my account is being escalated for legal assessment, threatening potential Sheriff court action. This particular debt is only for £256, so I presume this is probably just hot air.

 

I'm currently living with my partner and I want to know what are the chances of debt collection agents of bailiffs turning up at my door?

 

 

Would this only happen after court action?

 

 

Is it now just a matter of time before I get similar letters regarding the other debts, and should I now make arrangements to repay?

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So you are in Scotland ?

 

Do you own any equity in property ?

 

What debt is being chased ? When did you take out the account originally ?

 

They might go for a court judgement and you would be served with court claim to defend. But we need more information about this debt to know best way forward

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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I'm in Scotland, I am not on the mortgage, this particular bill was from O2.

 

The larger debts are credit cards or loans, and all defaulted 2012, loan was about 18 months old at that point. I'm more concerned that Jesé wills will love to court action, and just wondering ow likely this is.

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If you don't own any assets, then not too much to worry about a debt company like Lowell hoovering up debts, after court judgement went unpaid to pursue bankruptcy.

 

It is quite likely at some stage that Lowell would issue a court claim for this 02 debt. They issue bulk loads of them, mostly hoping to get judgement by default because the claims are not defended. If there are any issues with this 02 debt, you should obtain all paperwork from 02 using a subject access request. You then have the information if you needed to defend.

 

In regard to other debts, you should perhaps contact National Debtline for a confidential chat about your options. If these debts are due to be subject to limitation law next year, then you might find the debt owners will look to take action before the debts become unenforceable.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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if you are in Scotland

then theres no such thing as bailiffs

 

and dca's very rarely do doorstepping in Scotland either

as they ARE NOT BAILIFF and have

NO LEGAL POWERS

 

so what you've got a pre school letter from lowlife

was the pretty one in red crayon?

 

the debts are statute barred soon anyway.

 

stop panicking and forget about them.

 

if anyone could have done anything they would have by now

not wait +4yrs.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Lowlifes and their pre school missives, hilarious, don't forget they're simply computer generated deforestation spat out by their computers, they have no human input.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I posted a thread last week in general debt issues forum, not realising Scotland had it's own forum,

 

I've worked out my actual debt position, so hopefully I'll give better information, and be able to get better advice back.

 

This is a summary of my debts as per Noddle:

 

Screen_Shot_2016_12_08_at_22_08_37.png

 

The dates above are as per Noddle, and the Since payment/default is years passed.

 

I've received a letter from Lowell regarding the Capital One debt, but nothing from Santander.

 

 

I note on Noddle that they still have an old address attached,

despite me being on the voters roll at another address for over 2 years.

So I've got no idea if Santander have been chasing or not.

Noddle has me as 'gone-away' for the Santander loan debt.

 

The letter from Lowell states they want to work with me, but can only help if I get in touch etc etc.

 

Just looking for some advice on what to do next.

 

 

Obviously I'm approaching 5 years since last payment on these debts,

but not sure if these become statute barred after 5 or 6.

 

 

All debts incurred whilst living in Scotland.

 

 

Should I just ignore until I receive something from the courts,

or should I start a template letter process?

If so, which one??

 

Thanks all

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Hi bungo,

 

I've merged both your threads, best stick with one makes it easier for folks to help you.

Like dx has said these debts will soon be Statute Barred.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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Hi bungo,

 

I've merged both your threads, best stick with one makes it easier for folks to help you.

Like dx has said these debts will soon be Statute Barred.

 

Thanks.

 

I thought statute barred status depended on the contract etc? Is it definite that these debts will all be SB after 5 years, or do I need to see the agreements I signed?

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All debts incurred whilst living in Scotland.

 

 

so 5yrs they are extinguished dead gone parrot..

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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urm..your post 8

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

did you take them out when you were resident in Scotland?

 

 

if so, Scottish law applies

 

 

SB is 5yrs then the debt is TOTALLY extinguished

 

 

unlike 6yrs in E&W

whereby the debt is still collectable just they cant use or threaten court to enforce any judgement.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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depends upon the type of debt

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

If the credit cards and bank loan are unsecured then last payment is a ball park time scale for the limitation period to start.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Everything is insecured.

 

What are the chances I'm going to get door-stepped in the next few months for these debts? If I received court papers, would I still have the opportunity to make a repayment proposal before ending up in court?

 

The Santander letters, if they're still sending them, will be going to an old address, should I write to them advising my current address?

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doorstepped??

go read post 5 again..

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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doorstepped??

go read post 5 again..

 

 

dx

 

I have around £10K of debts and these people are just going to let them become statute barred without doing anything?

 

Once these debts drop off my credit report will I just do the same again to get free money every 6 years?

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well they've not done anything so far..speak volumes..

 

 

and I doubt in todays credit market you'd get away with it again no.

 

 

just remember the debts might well become SB [dead gone in 5yrs in scotland]

but they remain for 6 on your file.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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