for the moment I would leave be

 

 

SAR to cap1 might now be your next move

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?

If you owe this debt and there are no issues you can raise at this late stage, then you should seek to pay it. If necessary Cabot would accept instalments.

 

It would cost you £255 as set aside court fees, if you wanted a court to look at this debt, provided there was a good reason stated in a set aside application.

 

Can you explain, whether you signed up to this credit card originally. It was your application for the card ?

Hi uncle,

I think I did sign up to it originally.

who was the original creditor

when did you take the card out

how much was the CCJ for

 

 

get your ducks inline first before you do anything else

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

what was the ccj for do you know yet?

 

 

and yes they'll [nothants bulk]will send it to you

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:

Thank you for your letter of the 2nd September 2009. A copy of our complaints procedure has been sent under separate cover.

 

We recognise your complaint relates to 1st Credit not providing a copy of the agreement within the timeframes defined within the CCA 1974.

 

Having investigated your account I find as follows:

 

Pusuant to your request for a copy of the agreement we have contacted Barclaycard for the necessary documentation. As previously advised, on receipt of this information a copy shall be forwarded to you.

 

A copy of the statement of account as defined by the CCA 1974 has been provided in our earlier letter. For your ease of redernce I can again confirm as follows;

 

A. The state of the account - outstanding balance of £(I'm blanking it)

B. The account, if any, currently payable under the agreement by the debtor to the creditor the full outstanding balance £(I'm blanking it)

C. The amounts and due dates of any payments which, if the debtor does not draw further on the account, will later become payable under the agreement by the debtor to the creditor - £(I'm blanking it)

 

Should you require copies of statements detailing all credits and debits on the account I would advise this is considered a Subject Acess Request. Under the Datae Protection Act 1998 we are entitled to charge an administration fee of £10.00 to provide this information.

 

On receipt of the fee will contact Barclaycard on your behalf. Alternatively you may with to contact Barclaycard directly for the information.

 

We note that the Copy Agreement will not have been supplied within the specified time however, if an offence is committed, that does not affect the rights and duties between us. The Consumer Credit Act 1974 provides defences to any offence which we believe would apply in this case where we have to obtain documents and information to answer your request from the original creditor.

 

We are fully aware that we connot enforce a debt until the CCA request has been adhered to. Our client states that although currently unenforeable, the debt remains due and payable.

 

I am unaware of any legislation that states a default notice or data that is believed to be correct must be removed whilst a CCA request is being dealt with.

 

You have not specified upon which ground you rely for your notice under s10 of the Data Protection Act and therefore we do not consider this valid; furthermore this is not a valid request as it falls under the exemption in Schedule 2 section 2(a) of the Act.

 

Our aim is to resolve all complaints internally. However, in the event you remain dissatisfied with our response, you may refer the matter to the Financial Ombudsman Service within six months of the date of this letter. A copy of their lealet is enclosed.

We hope that we can resolve matters for you before you take this step.

 

Yours sincerely

 

Gemma Jackson

Compliance Officer

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:

We acknowledge receipt of your complaint. In accordance with the regulations we detail our complanits procesdure below.

 

1 Complainants will be asked to put their complaint in writing. This will be to ensure no misunderstanding occurs as to the exact nature of the complaint. A complaint form will be provided if required.

 

2 Alternatively the complaint will be dealt with based upon verbal comments.

 

3 A written acknowledgement of a complaint will be sent to the complainant within 10 business days of its receipt, giving the name or job title of the individual handling the complaint for the company. If a final response can be prepared within 10 buisness days of receipt of a complaint, the company may combine its achnowledgement of the complaint with the final response.

 

4 Complaints are investigated by a designated person who has the authority to settle the complaint, or has ready acess to someone who has the authority.

 

5 Within 4 weeks of receiving a complaint 1st Credit Ltd will send the complainant either:

 

a) A fianl response which sets out the final view on the issue raised in a complaint and weather: The complaint is accepted and where appropriate, the redress, or, the complaint is rejected, and, where appropriate, the redress, or, the complaint was rejected with a reason of rejection;

 

b) A response which: Explains that 1st Credit Ltd is not in a position to make a final response, the reason for the delay and when it is exspected to be able to provide a final response;

 

c) At the end of eight weeks after its receipt 1st Credit Ltd will send the complainant either:

 

(1) A final responce; or (2) A response which:

 

explains that the firm is still not in a position to make a final response, gives resons for the further delay and indicated when it expects to be able to provide a fianl response; and

 

informs the complainant that they may refer the complaint to the Dinancial Ombudsman Service if they are dissatisfied with the delay, and encloses a copy of the Financial Ombudsman Service's explanatory leaflet.

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 ****