Thanks dx, I will send that letter after xmad. What sort of reply will I get from them and what would I need to do next?

So just leave it untill I get a letter? It's been almost a year since the CCJ.

I was just thinking if I want to start paying it with a payment plan instead of waiting for the court to send me a letter, user uncle here said to phone cabot and arrange a payment plan?

Okay thanks. If I phone the debt company that done the CCJ and they arrange a payment scheme what will happen? Will they contact the court and say I've started paying them?

Hi uncle, I think I did sign up to it originally.

Hi dx, Thanks for replying, it was for a credit card from Capital One. The CCJ is 466 but on my credit report it says under credit cards 538 so they've put more charges on it even though the CCJ is 466. The date i took out the card on my credit report is 18/01/2011 and it defaulted on 16/08/2011, I totally forgot about it to be honest and yes I should of told them that I moved but as I said I did forget about this debt. Thanks

It's for a credit card back in 2011.

Oh sorry lol, it was Cabot Financial (Europe) LTD by looking at the CCJ amount and the account balance from Cabot, it also seems they have put 100 pound more on my account balance since the CCJ back in February. I will phone them tomorrow for the documents, will they send them to an you address or has it got to be your home address? Thanks

Hi dx100uk, Thanks for getting back to me, the CCJ is in my name and I haven't got a copy of it due to it going to my old address.

Hi There, I had a CCJ issued February this year at my old address, it was for a debt that went to default on 16/08/2011, I refused to pay due to an ex partner used my name to get a credit card and we split up many years ago, I moved last year so obviously they sent the papers to the old address, what can I do about this? Shall I phone them? At the moment I do not have the money to pay it Thanks in advance for your help Also I haven't received anything at my new address so I wouldn't of known about the CCJ until I logged into Noodle.

Hi, Could someone link me to the hardship letter, I cant seem to find it

I did post it here: http://www.consumeractiongroup.co.uk/forum/showthread.php?327158-Barclays-Over-Draft-Help&p=3617813 but thought reposting it here would be more relevant. Thanks in advanced for answering my question, really appreciate it. I've had a Barlcays Debit Card for about 11 or more years, I have a 690 over draft limit with them which I pay for by intrest every month, I applied for the over draft some years ago it could of been 5 or 6 years.. I lost my job about 2 months ago and Barclays asked me to pay back the overdraft plus the charges on top which are about 832 pounds, they lowered my overdraft to 10 pounds (what a joke) so I phoned them and they said to pay 30 pounds every month for 2 months then they will phone me and arrange a payment after that, if not they said to contact a debt managent company, unfortunately I cant really afford to payback what I owe them for the time being so the question is will I be able to get back any charges they have charged me over the years? or maybe get something back which will help pay this debt back? If someone could give me step by step help on what to do and send them that would be greatful. Thank you.

Hi, Thank you for the replies. I just know they charge me 9 or 10 pounds a month for the overdraft when I did have the £690. Now that they have removed my overdraft and I'm £810 over my new 10 pound overdraft they will probley start charging. Shall I ask for my statements as far back as I can get them? When I do get them what shall I highlight on what charges I can get back? Thanks.

Hi All, Thanks in advanced for answering my question, really appreciate it. I've had a Barclays Debit Card for about 11 or more years, I have a 690 over draft limit with them which I pay for by intrest every month, I applied for the over draft some years ago it could of been 5 or 6 years.. I lost my job about 2 months ago and Barclays asked me to pay back the overdraft plus the charges on top which are about 832 pounds, they lowered my overdraft to 10 pounds (what a joke) so I phoned them and they said to pay 30 pounds every month for 2 months then they will phone me and arrange a payment after that, if not they said to contact a debt managent company, unfortunately I cant really afford to payback what I owe them for the time being so the question is will I be able to get back any charges they have charged me over the years? or maybe get something back which will help pay this debt back? If someone could give me step by step help on what to do and send them that would be greatful. Thank you.

Hi All! I have a problem with capital one, they are asking for money which I havent got for a credit card about 2 years ago. Now I do remember signing an agreement with them and sending it back (worse mistake) but is there anyway I can maybe try and get them off my back or at least get the debt written off? I cant really afford to fork out outstanding payments each week or month for the moment. Thank you for your advice.

Hi all, I had a debt letter through the door and its for a bill from wessex water were I lived 2 years ago, now is there anything I can do? I was reading that they cant bill pass 12mts? I Attached a document below. If this is true what can I do about it or what kind of letter can I send them? Thank you very much for the replies. BackBillingSept-Version8.pdf

Hi All! I just need some advice really, I got this debt letter from Power2Contact and they said they are going to come down and collect what ever, it's only for 60 pounds and its for BT but at the moment I cant afford it due to other bills gettings in the way this week but I can pay it next week, I have 72 hours to pay them otherwise they will be down, the question is will they come down to collect what ever to pay the debt off? Thank you

Got any examples? Thanks!

Ah glad your okay! I'm not to bad thanks! Even if I do report them do you think they would still hassle me?

Heya babybear! Hope you've been keeping okay! SHall I just sit and wait or?

Got a letter today, seems they are trying harder but I may need some help: They seem to be getting nasty.

Thanks babybear39, Shall I wait to see if they can send me a signed agreement from the second letter I sent? Or just send this letter anyways as they couldnt find my signed agreement 4 months ago.

Hi babybear39! Yes that's what I sent a week ago and 1st credit replyed with that letter above. I did send them one 3 to 4 months ago and they said to give them 4 weeks to find the signed agreement and I never heard from them again untill 3 weeks ago.

Seems I cant find this letter anywhere else on this forum.

Hi All, Back again and i got a new letter from 1st credit: Now I sent them a letter asking for my signed agreement for a 2nd time about a week ago and they sent me that letter above as well as a 50% off letter from Connaught Collections Uk Ltd which I know are the same company. What should I do next? They are starting to **** me off, like flys round ****