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PINGUTHEPENGUIN

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About PINGUTHEPENGUIN

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  1. Hi Please could anyone tell me what happens if the bailiffs take your stuff (ie computer, car etc) is it possible to buy the stuff back. Ie do you get a chance to pay the debt off before it goes on sale? If you can only pay part of the bill, what happens then: - do the bailiffs allow you to buy part of it back before the auction (and do they choose which bits you can have back). Also how long do you get to pay the debt before the stuff goes up for auction? Could I attend the auction and bid for my stuff? Do they put reserve prices on the goods? thanks .
  2. Cheers Rory that may be useful in the future, definitely good information to have. Thank you
  3. Hi thanks for message but what kind of strict rules are you talking about? Also you dont happen to know how ccjs need to be served. Was it true that they can send them to the last address they have for you and not by registered post?
  4. Hi everyone and thanks for your replies. I have just got one file back from equifax and awaiting a pin from experian, well at least thats what they have told me., and although I am trying not to keep my expectations down, because experian could hold the nasty stuff, I am completely flabbargasted by the equifax report. It only mentioned one search and apart from a minor problem with the way my current address is wrote in the electoral register/postal service etc the score is a few points away from being 'good', in fact there are no debts, defaults or ccjs showing. however I think this
  5. Hi everyone and thanks for your replies and the link. I have just got one file back from equifax and awaiting a pin from experian, well at least thats what they have told me., and although I am trying to keep my expectations down, because experian could hold the nasty stuff, I am completely flabbargasted by the equifax report. It only mentioned one search and apart from a minor problem with the way my current address is wrote in the electoral register/postal service etc the score is a few points away from being 'good', in fact there are no debts, defaults or ccjs showing. however I t
  6. Hi everone Hope I am in the right section here. Was wondering if anyone could tell me roughly how much credit information will be contained about a person compared to another credit report. ie roughly how much information will equifax vs experian have and do I need to get a credit report from the other company transnational or whatever its called as I dont know if it is used much in Britain? I am getting my equifax one hopefully today, but I need to wait for the post to get one my experian one. i am wondering whether most of the information will be on the equifax one that I get
  7. Interesting 'make them aktiv runners' (like the name by the way), well it does seem like that is where they may have got the address from. Hmmm. Yes dx100 I am still going to risk it and get that credit report thing now, I was going to do it last night but thought I wouldnt be able to sleep if I knew the true enormity of the debts, however I didn't sleep much anyway. This has made me into a right worrier . 8 Yrs of worry compounded. Thanks both of you will let you know how it goes.
  8. Thank you Martin, Powell and DX300. It is really nice to hear some friendly voices, after sitting in my flat with the curtains closed, dreaming up ways to save my most precious possessions from the hands of the bailiffs and not making a sound for days. Unfortunatly I know I have quite a few ccjs but you are all correct in pointing out it may be verging on the 6 year statutary limitations act, It will be about 6 months on either side, I know the last time I used that stupid topshop card was in July 2000, but then I was trying to pay it off for some time and even got a debt management comp
  9. Hi everyone, I am sorry if this is in the wrong section. I have never started a thread before, and dont normally use forums. However I was wondering if someone could help answer my question. I am wondering if ge capital bank and capital one are owned by the same people or are capital one and 'Debt Managers ltd' owned by the same people? As it appears that capital one or the credit ref agency have given Topshop debt collectors (Debt Managers Ltd) my new address. I now have a 'urgent final demand' from client Aktiv Kapital FI Topshop-Poweroption' (assume that prolonged name was my topshop
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