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dave466

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dave466 last won the day on December 5 2017

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About dave466

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  1. Yes never really had a good credit rating. I understand they will never drop off til after 6 years but of I pay them would this mot be beneficial or not? Thanks
  2. Good afternoon all. Long story short I split from my wife last april and along with it came a little bit of debt. I have managed to save about £3000 and I want to start repairing/rebuild my credit file. What is the best advice going forward for me to help my file etc and for things to start inproving. I understand that the 2 provident and capital one will be removed from my file next year so I'm guessing I would need to focus on the others to start repairing my file? The following is what I have listed on my file via 3 agencies (cre
  3. Received a letter from lowell today with a copy of the directions questionnaire. So I assume.e just await my copy from the courts. Thanks.
  4. The balance is currently £900 mate thats with the current court costs of issuing proceedings
  5. Apolagies dx I thought I had replied to you. Yes agent knew I was struggling hence the low payments. I have today received a letter from lowell and I am going to assume from the wording that they dont have the default notice. Letter is as follows and also includes another copy of transactions and also credit agreement. " We refer to the above matter in which we act for the claimant. Further to the contents of your letter and your defence we note you have pleaded an entirely technical defence in which you admit to entering the agreemen
  6. Will do andy. Yeah dx I had spoken to the agent hence the lower amounts being credited. I couldn't really afford the loan in the first place and shouldbt have taken it out and only made the 2 full payments required before I couldn't afford to anymore.
  7. I have not got a copy of the default notice mate, it just says in that letter that The original creditor has confirmed that the default notice was sent to you on 2 june 2019. Regards.
  8. No problem so what do I do now with regards to the claim online etc.
  9. Hope that's ok for you I always struggle with this as only have my phone. Regards. 22dbf61f_443d_4dcb_bd7c_aba647476df9.pdf
  10. Today I have recieved a copy of the original agreement with my signature on and also statement of the account. What's my next steps please? Regards
  11. They have sent me a copy of it after I requested all the info from them. Its dated 18th sept 2019
  12. Thankyou. So this is now good to go mate? DEFENCE 1. The Defendant contends that the particulars of claim are vague and generic in nature.The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted and accepted I have in the past had financial dealings with Morses in which I cant recall the precise details of any agreement and have therefore sought clarification by way of a CPR 31.14 and section 77 request which the
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