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moving on..

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Everything posted by moving on..

  1. Good Afternoon All, Just to say I received notification today from Lowell stating that they cannot supply the information requested, so have decided not to pursue the accounts. Thank you all for your help, Particular thanks to dx100UK for giving me the confidence to take action. with much gratitude Moving on
  2. Received a letter from Lowell dated (10/11/20) stating they are requesting documentation from JD Williams. They say they aim to provide within 12 working days. Lowell have asked I send them various ID details via email so they can respond with attached documentation from J D Williams as they 'cannot send anything via Royal Mail until government restrictions are lifted.' If I do not want information sent via email they will send as soon after restrictions are lifted. (but they managed to write to me today!?) Meanwhile they have put account on hold and if they do not hear anything from J D W
  3. Yes have written 2 requests. Accounts opened Feb 2009 and Oct. 2009 Balances as of today £1082 and £975 Default date was 2014 ( both fallen off last month )
  4. Many thanks for your early reply. I have not requested a CCA as I read somewhere that laws changed in 2009 and even if a reconstituted CCA agreement is produced a CCJ could still be obtained.? Historically I have dealt with other alleged debts and DCA 's and those unable to produce a CCA I promptly stopped paying. I am loath to continue to pay this DCA . I was caring for my son who had a brain tumour and this particular DCA I just did not have the strength to deal with during those tragic times. If I can be assured they will not be able to obtain
  5. Good Afternoon, I am just seeking some advice as to payment to a DCA after the default has dropped from my credit file after 6 years. Account is for a catalogue and opened in 2009, defaulted in 2014. I have been paying the DCA a nominal monthly amount. Do I continue to pay? can the DCA get a CCJ after a default has run its course if I stop paying?. Many thanks in Advance MO
  6. Many Thanks for your early reply. Much appreciated. Yes I have been paying £10 per month for the last 4/5 years. Outstanding balance is now £2100. At the time I was not working and caring for my beloved son who has since passed from a brain tumour. I still hardly know how I get through the days... I am now self employed and receiving £37 a week in Working tax credit and last years self assessment profit was just over £7000 or thereabouts. no other benefit as my daughter pays the rent due to her income and living at home. I do recall receiving an annual s
  7. Good Afternoon, Today I have received a notice of Assignment from Vanquis informing me that the outstanding debt was transferred to Arrow Global Limited on 9th July 2019. I have paid monthly contributions to the outstanding balance for the past 4 years plus. Can I confirm that Arrow cannot default me without Vanquis advising? Also that Arrow cannot add any charges or interest? Could they after accepting payments for so many years? Can I just carry on paying Vanquis by S/O or do I have to pay NCO Europe Ltd? Many thanks in Advance
  8. Good Afternoon All, Just wonder if I have this all wrong ?! I appealled a TFL PCN, Appeal was rejected and the rejection letter stated I had 21 days to pay at reduced rate of £65 from the date of the letter of rejection which was 11th June 2018. ...' if you pay the penalty charge within 21 days from the date of this letter you may pay the discounted amount as full and final settlement...' I calculated from the 11th 21 days I could pay by the 2nd July at the very latest? I went to pay the fine today and it has increased to £130 ! Have I miscalculated the dates/wording?
  9. I am appalled that these people are still able to rip off so many others . What can the law do to protect against these fraudsters? https://www.lancasterguardian.co.uk/news/lancaster-hotel-staff-face-eviction-after-wages-go-unpaid-1-8301661 https://uk.trustpilot.com/review/www.ihotelmanagement.co.uk
  10. Good Evening, Am so confused and stressed. I am registered self employed and was in receipt of WTC until Nov 2015 when I became a full time carer for my son who sadly died in February this year after a very courageous brave battle against a brain tumour. With the support of my clients I have decided to return to the jobs. I have not had any issues claiming WTC before now but upon applying this April I have had a phone call discussing if my self employment is 'commercially viable' and being advised that 30 hours worked would be assumed at the national minimum wage. Is the 30 hour
  11. Many thanks everyone. My friend has one other card think 2004 Barclaycard who also have not produced CCA to date. She now feels they will go straight to court . I am at a loss to help much more , it is very hard 3rd hand to help sometimes, but I do appreciate all help however deflated I sound. Perhaps if Barclaycard do go straight to court do not pass go or collect £200 she may be better prepared , or at least get legal representation which is what I did suggest months back . I am not sure of the payment process now as I know she cannot pay £4 le
  12. Hi Yes hers was &more card. Think I attached an image of the application form on the thread. There was no CCA First credit sent a copy agreement and at the top it says &more credit card .. On the thread only had copy of application form . Their copy CCA was sent as CPR request (not original) and I agree T&C show no link to CCA moving on
  13. Unfortunately my friends M&S card pre 2007 , in dispute and with PPI , no CCA First credit 'won' in court today. How would she have known if it was a charge card to credit card?
  14. Hi Shamrocker. Your comments worry me as I thought no CCA was a complete defence at law?. not to mention account in dispute over PPI and charges on account. If not the case, myself and 1000s of other 'laymen' who have faith in these forums and follow the suggested paths are going to have sleepless nights at the thought that at any minute a Judge can suggest on a balance of probabilities there was a CCA and demand payment in full. This account was 2004. If a payment plan cannot be negotiated for whatever reason, is today's Judgement effectively a CCJ?Will there be another hearing to
  15. Default Re: 1st credit - claimform 2004 M&S card 'debt' Dear All, My friend was in Wandsworth Court this morning and the Judge found in favour of first credit and gave her 28 days (14 at first) to pay £4851. I only have snippets of info as my friend was so distressed. The Judge would not allow time for CCA to be produced she said the account probably had a CCA but it had been lost over time. The Judge also said to my friend 'are you sure you understand this bank., all CCA s are different'. The Judge refused my friend leave to appeal and said she w
  16. Dear All, My friend was in Wandsworth Court this morning and the Judge found in favour of First Credit and gave her 28 days (14 at first) to pay £4851.I only have snippets of info as my friend was so distressed.The Judge would not allow time for CCA to be produced she said the account probably had a CCA but it had been lost over time.The Judge also said to my friend 'are you sure you understand this bank., all CCA s are different'. The Judge refused my friend leave to appeal and said she would make a note on file that if she did she would explain why the circuit Judge would be wasting time i
  17. Yes I understand the directions in the NofA were completed. Many thanks for the link I will pass on. Regards
  18. Hi ,My friend now has a court date for beginning of October, is there anything else I should advise her to do?. Still no CCA produced after asking a second time. Many thanks
  19. Hi Are the above attachments ok now? tested my limited pc skills
  20. Are they OK? The terms and conditions and credit card agreement terms are included but not signed by friend or received before.
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