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  1. 10 out of 10 for me. I'm going to reward myself with a nice cup of tea now
  2. Thanks for all the excellent replies everyone I paid £2 per month for 6 years from the date of the judgement, so roughly £140 was paid. I estimate that around £200 is owing. Carter stopped taking payments as soon as 6 years was up and the CCJ dropped off my credit file. The remaining amount would have become Stat Barred in 2009, aside from the unlawfulness of splitting the claim.
  3. OK, thanks very much for that, I hadn't realised that Cyclone were Arrow. I will compose a suitable letter to Drydens tomorrow and see what they have to say for themselves. I have little doubt that they will give themselves a bit more rope to hang themselves with. I would be grateful if somebody could point me to the relevant piece of legislation regarding the unlawfulness of split claims, so that I can gen up on it a bit.
  4. Carter's clients were "Cyclone Asset Management". Arrow Global have only entered into the picture recently (within the last 6 months). The figure given is not the couple of hundred quid left of the CCJ, it is the original full amount. Which leads me on to what was going to be my next question, whether I should now report Carters and Drydens to the SRA?
  5. I've had another missive: I really need to know if a CCJ can be legitimately transferred from B Carter via Fredericksons, Westcot, Arrow Global and now Drydens? The answer to that question will depend on how I respond to them. I have never received any communication from B Carter or the County Court since Carters arbitrarily stopped taking the monthly payments and cancelled the Direct Debit. That being the case, my inclination is that the CCJ is nothing to do with anybody else, but I really need to know for sure.
  6. Way back in 2007, before I discovered CAG, Carters instigated a County Court claim for £300 odd out of an alleged debt of several thousand. Having ascertained that they couldn't come after me for the rest, I decided not to fight it, and was paying them at a couple of quid a month (because I am on disability benefits that was all I could afford). That went on for 6 years until, presumably, the CCJ dropped off my credit file, at which point they stopped taking payments and cancelled the Direct Debit which was set up. Since the middle of last year, I have had a few letters, starting with Westcott, and then from Arrow Global who kept sending me Notices of Assignment to various DCAs and their pet solicitors, until I received the following letter: Clearly Brian Carter has sold the alleged debt on, but the question is can he do that where a CCJ had been awarded? And car Drydens Fairfax just take over a CCJ like that? I'd be most grateful for any advice on how best to proceed here.
  7. FWIW, the reason why Enterprise wanted the credit/debit card details was probably in case the car wasn't returned with a full tank. My Motability car broke down a few months ago, and while it was at the dealers they hired me a car from Enterprise, but I still had to give them my card details on the understanding that it would only be debited in the event of them having to put fuel in. I returned the card with a full fuel tank, and they didn't take a penny from the card.
  8. £6000 odd. Carter wanted about £350 for his part. So when I found out it was unlawful to chase the rest, I considered it quite a result at the time. I couldn't care less about the CCJ, I never want credit again, and I'm too disabled to work again, so it hasn't affected me in any way.
  9. I suspect that they don't know about the existing CCJ, but I think they are under the impression that I have been paying off the £2 per month as a voluntary arrangement. I did tell Wetcloths about the CCJ, though they probably just filed my letter in the waste paper bin. I'm sure if I try and say it's stat barred, they'll then say it isn't because of the monthly payments. It did occur to me though that the rest of the amount must be stat barred, even if it could be lawfully split - it's well over 10 years since the last payment, apart from the CCJ.
  10. I need to resurrect this one, unfortunately. I never did hear anything back from the letter that was sent to Wetcloths, and it went quiet after that. Today I have received a NoA from Arrow Global to say that it has been assigned to Restons Solicitors. I hear they are nasty, so I want to head things off if I can. I propose sending Both Carter and Restons a letter stating that this is subject to an existing CCJ that I am still paying, and to sort it out with each other. Does that sound like a good plan? I'd be grateful if anyone has any further advice.
  11. Thanks guys. I'll sent Wetcloths a letter telling them to *&%$ off. I might just report B. Carter to the SRA as well while I'm at it, not that I suppose it will do any good
  12. Hi all, Back in 2007, before I discovered CAG, Brian Carter obtained a CCJ against me for a few hundred quid (out of more than £6000). Once I discovered that split claims are not lawful, I decided it was a good deal, and as I never want credit ever again, I couldn't care less about a CCJ. Because I am on disability benefits Carter accepted a £2 per month payment and I've been paying ever since by direct debit. I has a couple of letters from Arrow Global saying that Fredericksons were no longer dealing with it (which is the first I knew that they were dealing with it). Today I have had this missive: I have no idea how to respond, or even whether to respond at all. The "payment plan" they refer to is a CCJ which has damn all to do with Wetcloths .I'd be eternally grateful for any guidance on how best to proceed. BTW, now that 6 years are up on the CCJ, am I obliged to continue with the installments? I had assumed that I would just continue until 16 years was up, or I die, whichever is sooner, but I'm starting to wonder now.
  13. I am getting DLA Middle Rate Care and Higher Rate Mobility, and am in the ESA Support Group. Some time ago, when I was transferred from Income Support to ESA, instead of getting the Severe Disability Premium, I started getting a "Top-up" payment instead. I was reassessed for DLA at the end of last year, and was re-awarded the same level of DLA for an Indefinite period. However, I am still getting the top-up payment with the ESA rather than the Severe Disability Premium. Since January I have sent two separate IS10 forms, one with a covering letter, plus another letter a month ago asking to look again at the ESA payments. One IS10 was sent recorded delivery, and I got Certs of Posting for the others. They have totally ignored all correspondence, and I'd like some advice on what to do next. I'm being underpaid by over £30 per week by my reckoning, and I'd like to get this sorted out ASAP.
  14. I had thought after hearing nothing more that they had seen sense, and that it had finally gone away. I should have known better I never did bother with Clarity, though I will certainly be writing now. Do any of you feel that I should respond to Frauderickson's idiotic missive? I feel that I've stated my case and that there is nothing further to say to them, personally.
  15. Please could somebody confirm that this is still the address for Belfast BDC? Belfast BDC PO Box 460 Belfast BT1 4WP I'll write a letter as well as phoning, because my experience of the telephone is that it is a device mainly used to fob people off Hopefully a two pronged request will get some results.
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