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ohitsonlyme

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ohitsonlyme last won the day on February 24 2011

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  1. I moved out of a rental property In late February /early March2020 and had no further access due to the lock down and although I got final bills from gas and electric supplier I didnt get one from untied utilities for the water supply. In november 2020 I received a paper bill from UU at my new address and paid it within 2 weeks I didnt receive any bills by email but I in July I did get a couple of texts which at the time I assumed were scam or phishing texts so I ignored them In December I checked my credit file and found that I was defaulted for £120 in August I didnt get any default notice or other notification Apart from this my Credit file is excellent after 10 years of fighting for my financial survival This blip on my credit report is causing me problems all of my credit cards loans and mortgages are upto date with no late or missed payments and have been for many years UU will not remove the default despite me showing them that I had given notice to the letting agents and telling them that I had spoken to their call centre giving details of my move I dont have records of my phone bill at the time so cant prove that I had notified them The gas and electric have been changed over no problem Is there anything I can do to force or encourage them to remove it?? Only me again
  2. IVe been reading around the forum and have noted the advice so I will be prepared to ignore them if they do call Onlymeagain
  3. I continue to receive chase letters very other month from Cabot and have to date ignored them This months letter states they will ask a company called resolve call to call at my home and "make contact with me" what should my reply / action be in this situation There was a template around at one time telling DC that you do not give them authority to call but I cant seem to find it Only me again
  4. Thank you all for your replies I am obviuously over thinking things best to continue to ignore onlymeagain
  5. I am likely to have a substantial estate . Since the last recession and I lost everythiing to the banks I have built myself up again I aslo have several large insurance policies that will come into my estate. The point I was trying to make is that if an old ccj could be clawed back by a credit cardot DCA then surely old SB debts would fall into the same category and executors would need to satisfy those too as technically they are still owed by many of us that have unenforcable CC Debts
  6. Hi Andy should try to sttle for A minimum f&F ?? Also what happens to older credit card debts in probate that we have all discarded??
  7. The property is owned by me and my ex wife and would have to be a restriction and no there isn't anything registered at the LR I think they would be a bit more forceful if they had any hold on me
  8. @dx100uk It is the 1% that I am thinking about and my wife's ability to sort things out. I realise it is likely to be difficult to enforce but I don't want to leave any problems behind and so i was thinking of trying to get them to back off even though my current tactic is to ignore as I can handle the issues as they come along whilst I am alive! @Andyorchno It is not secured in any way and all I am getting is please pay us letters no threats CCJ is now 11 years old @Ethel Street I hope the situation isn't going to arise any time soon! Me too!! When someone dies, their debts become a liability on their estate. The executor of the estate, or the administrator if no Will has been left, is responsible for paying any outstanding debts from the estate. If you owe a debt when you die your death does not extinguish the debt. It is still a debt of your estate. (The reverse is also true, if someone owes you money when you die they are still required to pay it to your Estate). But Cabot/Lloyds have no more right to enforce the CCJ against your Estate after your death than they did before you died. They would still have to go to court and get permission to enforce it and all the advice given so far on this thread is that they would find that very hard to do. So they could not easily get the money from your Estate. What I don't know though is where this would leave the Executors. In principle Executors are required to pay all debts of the estate before distributing what remains to beneficiaries. If they don't a creditor could proceed against the Executors personally. But are they required to pay a debt that they believe is unenforceable? I don't know, I've never seen any legal discussion of that situation. This is the bit that is interesting and possibly problematical for my recently deceased family and something I want to avoid now rather than risc it when I am gone As £10k is quite a large sum of money it might be worth you spending a bit of it to get a legal opinion from a specialist Probate solicitor on what your Executors should do if this situation arose (from the solicitor who drew up your Will?). Good Idea but most solicitors will tell me the same that you have highlighted that the execuotrs have a duty to reapy all debts before Beneficiaries This could have potential problems for many on this site Would this same situation apply to old non ccj unenforcable debts that we have ll "Won or believe to be SB" Our legal experts on here will have a better insight to the situation and what our goals and pitfalls are possibly even experience of a similar situation where a member of this site has died
  9. Just a thought, I am now 65 and diagnosed with prostrate cancer -(no need to worry very early very treatable). thinking of my mortality and dying I wonder if it might crop up after my death (hopefully in many years to come) Can they make a claim on my estate (mainly substantial insurenace poilicies), my wife and 10 YO daughter wouldnt be able to sort it out like me Should I offer them £10 as full and final and to stop writing letters to me or tell them I am not going to pay fullstop. At this time I am ignoring as there is no threat that they are trying to come after me and with it now being 11years since ccj issued very unlikley they can come at me in any meaningful way
  10. It came off my credit file nearly 4 years ago so I've no worries there,I will ignore and take it as it comes these things dont stress me out any more. Just a thought doesnt the original creditor on the CCJ have t be the one to try to enforce and Crapbots are not the original creditor Thanks again peeps onlymeagain
  11. You are quite right that statute barred does not apply And it will be difficult for them to go back to court I jsut dont know whether to ignore or if not how to reply
  12. I have an old CCJ against me for £10k original creditor LLoyds I never heard anything off them after the forthwith CCj was issued in 2009, Late last year I got a letter to my home address from Cabot I knew what it was about, but thought they might not know about the CCJ so I sent statute barred letters and eventually got a reply with all of the CCJ info on it I know it will be difficult for them to take it back to court, The CCJ was raised at my old home address and I still rent the property out and so have always received mail from it and it is also linked to my new address both of which have been on the CRA sites and electoral roll as lniked adresses so I have always been available. Should I simply ignore the reply to the statute barred letter (there are no threats about going back to court on it) if not ignore I am unsure of how to reply Any assistance very much appreciated Onlymeagain
  13. I am still in a similar position to you are you a member of the SME alliance??
  14. Renegade, I meant default judgement, not default notice, However following on from what you've said,are dca allowed to register a default notice? As lowell recently have on a previously defaulted account Onlyme
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