Thanks Seq, great avatar btw! just want to point out that the Lowells default and the CCJ are two enitrely different matters.

okay cool no problem.. what exactly is an SAR? fiance is pretty certain like 99.9% that this account is not his. i dont wanna admit debt or anything by accident (im new to this but loving it!) Where can i find a good letter for it, and also any thoughts on the CCJ anyone?

excuse me for being dumb but do you mean the SAR to lowells or County Court? We moved at the end of november but this was passed on november 15th. We definately recieved no paperwork, as we are currently going through a personal debt CCJ case and are both very swift at dealing with it all! i know how serious they are. The only other curious thing is that he had a current account with alliance and leics that he closed they made a cock up and didnt close it properly, someone tried to take a cancelled direct debit from it and put it into arrears which started charges etc etc anywho, i sent them a rather stern letter about it last september and we never heard from them about it again, its now settled on his credit file, but in november.. just coincidence? also i have some more credit file questions... which is best place for those? thanks!

Hi everyone, we have been using checkmyfile for a while now to help manage the fiancés debts and keep them on track. In doing so we have learned loads BUT i have gone online today to check it and noticed a huge drop in points... here is why: I can see he was given a CCJ for £250 in November 2007 and this is the first that i am aware of it. I still pay every creditor we have (current) accounts with and settled all of his utilities at the old address. What do i do about this now? The case number is on file and it was processed at northampton county court, i assume they wont be open on weekends. Also, there is a defaulted account with Lowells from 2003 for £140 which wei have repeatedly asked them to explain to us (he has never had the card they claim it is) and they have failed to provide us with these details. I am now going to issue a formal request for a CCA from them. Is this the right avenue to go down? One month it has a lock symbol on the account, the next it has a big fat D... its definately affecting his credit rating and i have no clue what it is!

I have to agree.... what gies any company a right to do that? i do credit checks on people in my job and i have to be law advise them of that fact and make sure they understand what that means. thats maybe 6-10 a day, i tell people in person what is being searched for and why.

personally i would write a letter to solicitors, enclose a copy of that letter and a copy of a budget if you have one. Ensure you state it was sent recorded delivery.

because all to often parents get stung for stupid amounts of top up every month because its payg customers that networks make the money from. Not to mention expensive handsets. contracts are far better off money wise if you spend over £10 per month. sorry but that is a fact. And fixed price ones are ideal as you cannot run up a huge bill and the phone is free. pound for pound they are the cheaper deal.

im pretty sure they dont get put under the 6 yrs thing? as far as ive been made aware my student loans remain payable for 25 years or until i turn 60 (whichever is first) as these arent credit agreements as such and go on your NI number. can i ask why you wouldnt want to pay your student loans back? sorry if thats intrusive, its just to me its the one debt i look forward to paying!

My partner split up with his ex over a year ago now and ever since that time she has been asking him (demanding!) £1300 which is the amount of money she spent on a holiday for them both during their relationship. She did not get any agreement from him that this was a loan, the money was not put into his accounts and was simply one of those things you do whilst together. They werent married, did live together although she did not contribute toward living costs at all. After 3 threatening letters from her father regarding it and a simple NO from him and me she has filed a small claim online for the amount owed, so far we have 1) acknowledged service 2) submitted defense 3) submitted acknowledgement with witness details and dates he cannot attend court to our local court the last thing was submitted about 6 weeks ago and he hasnt heard a thing since, she has gone travelling for 6 months (we know through a friend) i have spoken to solicitor or two regarding this and they think its laughable. She has not a leg to stand on in court. I think this to, although i have no legal training (i was a legal secretary for 3 years though!) Basically he is slightly concerned as he has a job at a bank which involves regular credit checks for CCJS etc... if he were to get one his job would be jeopardised, she knows this entirely and its part of the reason why she has done it no doubt. she is a silly 19 year old girl with sour grapes. Neither of us have any idea what may happen next or indeed what may happen in court... i just wondered if anyone knew what may happen just to let you know also, we submitted incident #s from the police regarding the harassment from both her and her father, she in fact stated on the internet that her Dad was owed a favour and would "sort him out". (how childish!!) so any advice or comments would be appreciated!

Just to butt in slightly, there is an alternative out there. There is a network who do a fixed contract designed for parents buying for kids, no big bills. pm me for info, i dont wanna get in trouble for advertising or something

I cannot speak for vodafone themselves but i can tell you the policy that another leading network in the UK and world has as i work for them If you have insurance through the company or their subsidiary company they will cover "airtime abuse" which is what you have suffered. recent FSA amendments to the majority of these policies ensures that the date of claim (ie the 48 hr period) goes from the time you discover the theft NOT the time it was stolen. This can be substantiated by crime refs etc. Please check your policy, and if it does not cover the airtime abuse, then usually if you insure your handset the airtime provider then covers the airtime abuse for you. bottom line, if the theft is reported then dont pay. You shouldnt pay for something a criminal has done and i cant see any judge in any court making you.

If you work out your monthly line rental that would have been left (monthly amount x months remaining and bear in mind that your final month is paid for at start of your contract) how much would that work out to? it may be the amount left is all charges in which case theres a few letters you can fire out to them also do u still have the handset? and are u using a PAYG sim in it or just not using it?

will that give any more info to people possibly persuing any SB debts or will it not give anything that is already there?

i really would love to know how these people sleep at night.

Hi! i work for another major mobile phone network so will try to help Is it actually a court claim form or just from an orange solicitor? companies like orange will rarely go that far with a debt as it isnt financially viable. Was it a contract, was it halfway through, what were the circumstances around the debt?

i know it might not help but i just wanted to give you a big hug and tell you not to worry

even if the letter of satisfaction and the cheque for i think £15 wasnt sent to the county court who issued the CCJ? i just paid it as soon as i got it, i was a bit miffed as the judgement was the first letter i actually recieved about it! it was only £90 i would happily have paid it had someone rang me or sent a bill.

Im not entirely sure if this is in the right forum, if not please do move it MODs My partner split up with his ex over a year ago now and ever since that time she has been asking him (demanding!) £1300 which is the amount of money she spent on a holiday for them both during their relationship. She did not get any agreement from him that this was a loan, the money was not put into his accounts and was simply one of those things you do whilst together. They werent married, did live together although she did not contribute toward living costs at all. After 3 threatening letters from her father regarding it and a simple NO from him and me she has filed a small claim online for the amount owed, so far we have 1) acknowledged service 2) submitted defense 3) submitted acknowledgement with witness details and dates he cannot attend court to our local court the last thing was submitted about 6 weeks ago and he hasnt heard a thing since, she has gone travelling for 6 months (we know through a friend) i have spoken to solicitor or two regarding this and they think its laughable. She has not a leg to stand on in court. I think this to, although i have no legal training (i was a legal secretary for 3 years though!) Basically he is slightly concerned as he has a job at a bank which involves regular credit checks for CCJS etc... if he were to get one his job would be jeopardised, she knows this entirely and its part of the reason why she has done it no doubt. she is a silly 19 year old girl with sour grapes. Neither of us have any idea what may happen next or indeed what may happen in court... i just wondered if anyone knew what may happen just to let you know also, we submitted incident #s from the police regarding the harassment from both her and her father, she in fact stated on the internet that her Dad was owed a favour and would "sort him out". (how childish!!) so any advice or comments would be appreciated!

Thanks so much!! i think i shall file this letter under "you wish" in my boxfile and see what else comes through the letterbox. I do have a CCJ question though. i got a CCJ from severn trent water around about 2003 which also was satisfied within 30 days... i cant find the satisfied letter and i never sent it off to the court, is it still worth doing it? should i call severn trent and ask them for another copy or wont they give me one? Im loving this site, its making me feel like i can really take control of everything and get sorted for the future.

haha new tape in the dialler.

at an entirely rough guesstimate i would say mid 2003 at latest, for most of them i would say early 2002. forgive me for being a little vague, at that time i was not in a good place mentally and had to spend some time in hospital following said ex. As for the fraudulent who-ha i have tried to get police involved around 2003 and no one could help so i am resigned to the fact i cannot prove it. Please dont refrain from giving me advise! may i just say aswell, at this time i was barely 18 and companies threw so much credit at me it was untrue. i sincerely hope that that stops happening to other people of such a young age who do not have the wits about them to say no to "free" money. It is my biggest regret.

sorry for my previous hijack. and just wanted to say it appears that MH comes in waves doesnt it?

Hello everyone! the only letter i have recieved is MH. i have no idea what its for! only thing i have recently put my name on is the energy bill at this property so im not too happy about my details being shared by eon. which it clearly is. E-on shall be getting a stern phone call shortly. the only other thing with my name on is my student loans and i KNOW they dont share info as they are NI linked not credit scored. Yes you could say he obtained them fraudulently as he faked my signature and also put me under violent duress to take out further finance of many kinds (this violent duress was taken through police etc with him being arrested numerous times although this is easily 5-6 yrs ago now) should i even bother sending the CCA? seeing as i am not admitting to my whereabouts to them? to be perfectly truthful, i dont want to have any debts ever again. i am encouraging and helping my current OH to pay off his debts and close accounts which he is doing now. he was in a right financial state 6 months ago all i ever want again is a mortgage in like 5 yrs time.

Wow is this place a godsend! I recieved a letter today stating that MH are attempting to contact the person above (ie me) regarding a personal matter blah blah blah. It is roughly 5-6 years since i left some bad debts behind that my ex fiance ran up in my name (all done by post and online!) i was advised by CAB that if they havent spoken to me which they havent in about 5-6 years then i should ignore it and wait til they become statute barred. I have had no debts, not even a bank account since that time, i have had a mobile phone contract for around 20 months, and have only just applied for a basic bank account again as my credit rating was understandably ruined. I own no property, have a very low income as i am a student at university and have no assets. im glad i googled Mackenzie Hall Ltd before ringing or writing to them. this letter has clearly come about from the fact that my previous debts are about to become un-recoverable. I will not admit to any of these debts and i strongly dissaprove of the methods that MH have undertaken in attempting to gain contact with me! My fiance works for a well known high street bank and is disgusted by the stories people have written here! Just to re-iterate, i should 1) ignore the letter, and subsequent red card i will get shortly 2) they have no legal rights whatsoever 3) who do i report their methods to? Thanks everyone, what a wonderful site this is.

just wanted to chime in with my letter from MH! I recieved a letter today stating that MH are attempting to contact the person above (ie me) regarding a personal matter blah blah blah. It is roughly 5-6 years since i left some bad debts behind (credit card, overdraft, personal loan that kinda thing! all of which i didnt spend)that my ex fiance ran up in my name (all done by post and online!) i was advised by CAB that if they havent spoken to me which they havent in about 5-6 years then i should ignore it and wait til they become statute barred. I have had no debts, not even a bank account since that time, i have had a mobile phone contract for around 20 months, and have only just applied for a basic bank account again as my credit rating was understandably ruined. I own no property, have a very low income as i am a student at university and have no assets. im glad i googled Mackenzie Hall Ltd before ringing or writing to them. this letter has clearly come about from the fact that my previous debts are about to become un-recoverable. I will not admit to any of these debts and i strongly dissaprove of the methods that MH have undertaken in attempting to gain contact with me! My fiance works for a well known high street bank and is disgusted by the stories people have written here! Just to re-iterate, i should 1) ignore the letter, and subsequent red card i will get shortly 2) they have no legal rights whatsoever 3) who do i report their methods to? Thanks everyone, what a wonderful site this is.