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About RedVixen

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  1. The original amount will clear by COB on Monday On the MCOL guidance it states that if a defendants name is incorrect then they will have to apply to the court to get permission to get it changed. Even if it is claimed that it is a general typo then the courts still do not promise to allow an amendment without a fee being charged. Obviously I am at risk as I haven't corrected them before however I do not want this showing up on my credit record at the moment. The slight misspelling actually turns into a completely different surname. I am on the electoral register as the only perso
  2. This is about a water bill. I have neglected it but I can now pay off the arrears in one hit Court papers arrived today but with an incorrect surname - only out by one letter. However I would have expected a solicitor creating the papers to check they are all correct before issuing proceedings. now if I send the papers back to the court marked no such person at this address and pay the outstanding bill in the meantime can they do anything about th at (ie reissue papers and get a judgement)since it is their error and they did have never bothered to check their facts. This has b
  3. I have just got £34 back from Utility warehouse. I was wondering about the time period when I was with British Gas - will make a call today to see what thye say
  4. Its has died down now Freds are texting to tell me they have an offer they think I might be interested in....... silly people Not going to chase for harassment. I have not responded to any letters or calls so they have not been told to stop. Not harassed they can keep in wasting their money as far as I am concerned
  5. I will although I am the only person in the UK with my full name shouldn't be much confusion - Freds just want me to respond in ANY way I get CRB and security checks complete in almost record time They are also using automated phone messaes which say if this isn't you press #. BIggest debt they have chased for lowell is SB - water bill still going down they have used the correct surname this time so assume they are ohishing for Lowell
  6. And next we have a letter with CONFIRMED RESIDENT on the top - talks about a debt owed to a client but no reference to who exceptt their own, no amounts or names of clients. Not surprising they found me I am on the electoral role Deary me
  7. I haven't worked out how to do that on my phone and I know that Freds use a wide range of numbers I havce already had calls from 2 different area codes and they are not worth the time and effort of blocking every each on they use as and when they use them I have beenin this too long to get worried but if I can inconvienience them I will
  8. I will make the report And I will look for some way of reporting the phishing texts since they don't even ask for a person by name on those - suggests thye aren't sure who they are contacting
  9. I have answered to one of the other numbers that they use and got along pause followed by the automated message. It seems they have no intention of putting a real person on the line
  10. Hi Fredricksons are chasing for a water bill whichis currently being paid off and a very rapid rate of nots direct to Welsh Water - the surname on the bill is incorrect. I am ignoring them and paying direct each week. They are sending daily texts asking me to get in contact with no name mentioned (ie mine) no details beyond a request for contact. I am also getting regular phone calls however there is no real person on the end of the phone after a long pause there is an automated message. Today another call I actually decide to answer it - complete silence, a voicemail is l
  11. I wouldn't give up on the first loan - I had a string of refinanced loans (i.e. all but the last settled by the next) and went after Lloyds for all of them. It makes things more complicated for them as they have to work out what the new (lower) original amount on a refinance loan should have been if the previous one had not had PPI - ie if PPI was mis-sold you effectively overpaid up until the point that the loan was settled - not sure how much sense that makes but for me it added a lot to the sum I received as the overpayments had to be rolled into several following loans and for me in the e
  12. Hello Short background My mother passed away 6 years ago and the estate still has the house. Initially the mortgage wasn't paid for 18 months after her death - neither myself or the co-exeutor were working and in 2008 HIPS were still enforce and there allegedly wasn't any money left in the estate to pay for a HIPS so the house couldn't be sold (there should have been enough money for 12 months of housing costs but co-executor spent it all in six weeks down at Tescos). Roll on to now. I have been in and out of work, used a PPI win to avoid repossession in Oct 2009 (literally arrive
  13. I have clearly been lucky so far then this had been going on for years. There was an 18 month gap in payments partly my bad I just didn't think about it when I moved from rented (water rates covered) to this property where I am responsible for a mortgage. Partly my brothers because he spent about 4K of estate funds on himself in 6 weeks - it was easily enough to maintain the mortgage and water for a year - both have caused me problems as I am the only one who has tried to sort things out. I know the estate funds were gone when I moved down here the extent of how
  14. Yep - being a suspicious bugger I am thinking that if they persuade me to stop paying court action becomes easier for them
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