i doubt i can find court papers but can prove payments etc so i'll see what they say, thanks.

direct to the dca. I have no dealings with the nationwide whatsoever. payments/correspondence etc all done thru dca.

by monthly direct debit - which I have been paying religiously.

If the ccj supercedes previous agreement is there anything I can quote to the nationwide regarding this? or should I get legal advice?

If I remember rightly I think the claimant was the nationwide rather than dca (unfortunately). I will phone nationwide tomorrow but I suspect they will say the account was never linked and so "slipped through the net" would that be an acceptable excuse for waiting nearly 6 years?

I have a debt with Nationwide, I was taken to court about 6 years ago (ccj) and have been paying via Shoosmiths dca, the agreed monthly amount. However, I have today found out that an old account with Nationwide has come up with the equivalent amount in savings but they have frozen this and will take it to recover the debt. Can they still do this even though the debt is with dca? (If they had done this all those years ago I could've been saved various charges plus court costs!) Anyone able to give some advice please....

This ones rearing its ugly head again arrgh!!! I moved and haven't informed them and i've just received an ordinary monthly statement like nothing has happened......I don't want to cause the new owner any anxiety so what should I do once the mail redirection expires? send it back, "opened in error - person has moved away"??

No, I only have the one where I stated the money had been paid in f & f.

I know I spoke to them so It must have been then that they actually agreed to accept: Its only now I have the letter that i've realised, how stupid! I suppose not much I can do now - I have the email & letter saying I can't be chased in future and that it won't affect my credit file

I will look into having rights if we ever fall out. I'm sure benefits agency will want to know where the money has gone and will have a letter confirm who & what was owed. However, with regards to proper

tenancy agreement, how do you get this if you're not legally a landlord?

and is there then going to be tax implications?

Hi, I just paid a debt off at an agreed reduced figure (basically I paid £3,000 for a £4,000 debt). I only did this because of the charging order

against my house & I just sold it. However, I agreed with the dca that

it was in full & final settlement (by email) and after they accepted my

money they confirmed in writing but said partial settlement! They have

said in email that I can't be chased for any more money but can't say its f & f because its not true as I only paid discounted amount. They also stated that it would not affect my credit file either. is this true?

Hi, i get help with my mortgage interest (£20 pw). I am currently selling

my house though and after paying off various bills etc, will be putting the remainder into another property with a family friend. They will be paying

majority share but will allow me to live solely in the house and charge me

a nominal rent. Can I get help with the rental costs? This friend is not

officially a landlord, the property is in their name only but all the bills etc

are in my name. The rental costs to me will be the equivalent of what the

local council would say I was entitled to. I receive IS, Incap. DLA

all quiet (so far) on this matter......however, I am going to move soon, should I inform Halifax of my new address??

I wouldn't go BR for at least 6 months to a year after moving. my only

income would be benefits. the proceeds from the sale of my house would

be put into the new house (boyfriends name only) along with a substantial

amount of money from my parents. In effect, I would have no assets & living on benefits. it's not what I want to do but as I am not liable to want nor apply for credit of any sort in future I thought maybe it would be my best option

I may have posted this in the wrong place - if so could a mod move it please, thanks.

Also, with regards to the house I will be moving to, my parents are putting

in some money & the proceeds of the sale of my house would also be used

though the house will solely be in boyfriends name because he will be taking on a mortgage also. I will be the only resident, the bills will all be

in my name and I receive income support, incap benefits & disability living

allowance.

my cirumstances at present are that I have 3 major debts. (approx. £12,000 ccj & £4,000 charging order, both with same company) and a

credit card debt of approx. £4,000 which I have been fighting by the route

of no valid agreement. I offered f&f of £1,000 to clear CO but has been

refused. I am about to sell & move into another house owned by boyfriend, nothing therefore to do with me legally. I know the CO will be

paid off but I was considering then to go bankrupt. does anyone have

any advice on this.....I won't own a property, I'm not concerned as to my

credit rating as I won't be needing it now or in future. will the other debts

have to be wiped off? the only legal asset I will own will be my car, which

I can solve by changing back to my boyfriends name. any advice would be welcome.

Hi, I have a charging order for a debt of around £7,000. I have been paying for about past 5 years at £40 per month leaving the recent outstanding balance at about £4,000. The dca offered me a settlement of £3,057 last month which I declined. However, I'm now thinking of moving and want to offer them a max of £1,000. But I need to make sure that the CO is removed before I decide to go ahead and sell. Is this possible; do I just include a sentence in my letter/email to reflect this? and if they

agree, how long would it be before the land registry is adjusted. any advice appreciated. thanks.

Hi everyone, my mum pays quite a few quid out (monthly) to have her

appliances covered by BG (i've tried to tell her not to bother but...)

anyway, her oven door is one of the glass pull downs and is held by 2 hinges on the inside at the bottom. one of these hinges has broken. BG came out to check and say its considered a "trim" and won't fix it. Eh? the door is not a functioning part of the oven so they refuse to fix it. I don't understand how they can say you can safely use the oven without a fully working door!? some lass from "Terms & Conditions" has confirmed the door is a trim so won't be fixed. Anyone here got any input regarding this?? I'm going to make a formal complaint - maybe now mum will cancel her policies. What a rip-off.

Nothing else but average monthly statement of account. I've failed to make a minimum payment so could result in legal action - like nothing has

already happened!

Hi everyone, its been a while! I thought this had all gone too quiet - I have just received a statement on the account (usual monthly one) direct

from Halifax. Now do I ignore this as it says they may take legal proceedings if I don't make payment, I can feel another cycle about to start.....any advice, thanks & regards

sorry to butt in but I've had problems with shoosmiths trying to get them to respond to my subject access request sent to them in February. I think this lot like to refuse ones offer of reasonable repayments until they get the charging order rubber stamped in court, then they accept your original repayment proposals. If they can't provide me with copies of court documents etc. can I then challenge the original charging order albeit its about 4-5 years old?

ok the dca's letters have started to appear! Do I sit tight and wait for official court papers before responding or is there a letter I need to be sending to each and every dca letter that appears? I haven't heard from Halifax themselves regarding the FOS response yet.

unfortunately these debts went thru before I found this site & long before I knew about reclaiming. However, I did try going thru the FOS for some of the charges on one of the accounts (overdrawn current account & credit card lumped together) but its all been put on hold. I had wondered if I could challenge the charging order (even after all this time it galls me to think that they were able to get it "rubber stamped" so quickly & effortlessly!). I was hoping to look at what i've paid, see whats left & then see if they'll negotiate a final settlement. I think I still owe about £6,000 on one & £3,500 on the one with the co. I will send sar next week that way they'll have to send me the copies of everything including their court applications, wont they?

Hi, I have 2 ccjs (one of which resulted in a charging order). I have been paying without fail for about 4 years now. I've never received any form of statements. I've written to dca (shoosmiths) asking for a list of payments, outstanding balances etc but they keep ignoring me. Whats my next step, SAR? or is there another "formal" letter I can send without sending them any extra money? advice appreciated. thanks.

The FOS have just told me that the question of unenforceability is for the courts to decide and then bleated on about my having had the benefit of spending on the credit card so I do owe the debt. seems a pretty pointless exercise complaining to the FOS re credit agreements. I'm now waiting to see what will happen next.

in the appeal they want me to set out my reasons for disagreeing with the way in which they have reached their decision:confused: apart from the fact that all they seemed interested in was that I have not disputed applying for the card nor having had the benefit of using it(flippin cheek). Now I know what I'd like to say;)......so does anyone have any advice whatsoever please