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  1. Hi, Ive just logged into my HMRC online today and realised that the £200 direct debit that i setup in December 2019 was not showing in the payments section. gave them a call to find out that they cancelled the payment plan in march 2021 due to failing to keep the arrangement (however they continued to take the £200 via Direct debit). I later found out that the self assessment for last year is was caused the cancellation, I also created an additional payment to them which started in march 2021 and pays every month for £200. so essentially im now paying back £400 per month (debt is for about £17k). spoke to the debt management team and they say it needs to be paid in full now and the maximum the payment plan can be setup for is for 12 months which will be around £1650 per month. I cant afford this and have no way of raising this sort of cash , ive got bad credit so cant get a loan , got no family that could also help me. Please someone help me with what i can do , im seriously getting concerned that baliffs will start next! thankyou Andy
  2. Just checked my file however and Moorcroof have carried out a hard search without my permission !!!!
  3. No default showing currently still shows as an open account
  4. HI Andy Ive received nothing from them in the post, they have said however that they have sent letters out
  5. Hi Andy Yes Natwest have stopped the interest, however they have defaulted the account now!! They chose to close it. What will happend with moorcroft? will NW sell the account on Andy
  6. Hi Dx100uk, Sorry i should have updated this. I actually attended court hearing with their solictor. The judge ruled in my favour and it was thrown out. they were unable to provide the details of the debt and the judge basically said if you are unable to provide this to myself then how can you expect to pay for it. Case closed
  7. I held 2 accounts with Natwest for over 10 years, in January of this year they decided to close my basic account with no reason, at this point i opened a new account with an alternative bank and started paying my wage into this. A month later natwest decided to close my current account which had a £6k overdraft, I called them to ask why and they said the Bank has taken the decision and now i have to repay the £6k. I told the bank at this point that i would pay £100 to bring the balance down and that no further interest etc will be charged. 2 weeks ago i receive a letter for Moorcroft ask to get in touch. Furious I called the bank and asked why they account has been passed to moorcroft , again they coudlnt answer only to tell me that the account has now defaulted and its in my interest to make contact. I didnt default, the bank chose to close the account!!!! What can i do , Should i make contact with Moorcroft? Any help will be greatly apprecaited Thanks
  8. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  9. Hi Do I need to send the witness statement to the claimant or just the court ? Reason I ask is I'm concerned about providing the claimant with my signature
  10. yes they have , re constituted agreement, screenshot of a computer screen, statement of shopdirect account but with no details of purchases just transactions and a notice of allocation
  11. Hi, Could you please advise what i need to do with the request document. Im at the stage where i have had a mediation call .... Thanks to all the great advice on here!!!. But i dont know whether this is a request for a witness statement or just further information on the defence but it has to be submitted by the 17th November Any help will be greatly apprecaited Thanks andy court.pdf
  12. Hi Andy Absolutely I have no idea what this is for
  13. Hi Is anyone else having any issues calling the business center just seems to ring out when i try been like this all this week? im calling 03001231056 anyone else got a different number i can try the judgement was done on the 9th may, this does not make a difference I have letter proof from the one im challenging dating back to last year at my current address any advice would be greatly appreciated Hi Andy Have you managed to take a look at the attachment ? can you advise what i have to do now? Thanks claim.pdf
  14. Hi dx100uk Spoke to county court today who have sent me a copy of the judgement but they said they dont send copies of the claim I have to speak with Lowells if i want that which im reluctant to do. Is there anything else i can do? Thanks
  15. hi dx100uk How do you get a debt set aside for something that has already gone to court and a verdict has been given?
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