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galtee

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About galtee

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  1. Desperately need a bit of legal advice but haven't a clue where to go and was wondering if anyone could point me in the direction of someone to help. About an ex-husband who did a runner years ago and hid so he didn't have to pay me a penny and now he has surfaced. Feels like a debt - owed to me though!!! If anyone knows of any free legal advice I can get would really appreciate it. Thank you
  2. Thank you all for your advice. Can someone please point me in the direction of any letters I can use to send complaint letters and where I send them. Sorry to be a nuisance. Thank you again
  3. Thank you. If I don't respond to the letters can they do anything else? Why would they do this if their is a court agreement in place?
  4. Sorry if I am posting on the wrong bit. About 5 or 6 years ago had a CCJ against me (LloydsTsb) and it was agreed that I would make £10 a month payments. Have been doing this and now making payments of £15 a month cos they keep hassling me to pay more. However, they have written to me, well there debt agency BLS collections, to tell me that I am not making the payments they have agreed (never spoken or written to them) and that they want the whole debt settled immediately. Their latest letter says that someone from LloydsTsb will be coming to my home unless i pay up. Can they d
  5. Sorry could not come back before now. Went to court today and the judge said because I admitted £300 of the debt, Arrow Global do not have to prove anything so asking for a cca is irrelevant?. He said they are entitled to send me a chase up letter as the judgement has been made. Said I had to accept the debt against my house (it is legal to do this if I can't pay) and also had to pay £5 per month and there was nothing else I could do?? SUCKS!
  6. Today they have sent a letter asking for the £500 from the last court hearing! Can they do this?
  7. Hi Martin, I sent all the letters and worked out that Arrow Global should have sent me the consumer credit agreement by 9th July. However, on that day they sent me a letter saying: 'we will now process your request for copy documents pursuant to the consumer credit act 1974. Where we do not hold copies of the documents requested, your request will be passed to the debt originator. We will use our best endeavours to comply with the time period provided for in the statute'. Also, I have a court date set for 28th July at my local court. What do I do next. Thank you ver
  8. Martin thank you very much for getting back to me. I'd better get cracking as time is short. Terribly complicated all this stuff! I'll keep you informed of my progress Thank you again
  9. Hi Martin, Thank you for replying. I will try and answer as best I can. Unfortunately my memory has taken a bit of a battering in recent years! 1. Judgement passed 6th June, post mark 9th June received 11th June. I can't remeber what they originally said the reason for the debt was but they did say it was bought from Lloydstsb so I knew it was my overdraft from probably 2002/2003. They originally were claiming they were owed £1400 but I said the overdraft was for £400. I said I had paid Lloydstsb £100 so they have now passed the judgement for £300 + £200 costs. When I replied
  10. Hi to everyone I am new and my first posting. Wish I had found you a long time ago and maybe some of my problems may have been handled better. Sorry if I appear thick but I just don't know where to start looking for help, I'm just so confused. I have a long line of ccj's and charges against my home due to problems caused by illness and the latest one is a judgment asking me to make a monthly payment I can't afford. I need to get this judgement changed but don't know what to do. Unfortunately I have written saying the debt refers to my old bank account overdraft which was £400 but t
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