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Everything posted by hitchy1

  1. Yes, i did what you said. Made a realistic offer and was accepted without question.
  2. Andy Just to let you know my offer was accepted and at least i can stop worrying about further action. Thanks for the advice.
  3. Thanks, the fees changed on 3rd August to £14. I paid over the phone and they confirmed it was the new fee for N245.
  4. Thanks, my communication only started with them recently when i discovered the CCJ which was the main purpose of the thread and subject to N245 which i have submitted. No details at all about Abbey just a reference number and as you say Abbey became Santander in 2010 long after i had closed my account with them. I will wait for the next letter................... I'm sure it will be along soon but I'm tempted to ignore all communication around this unless something specific arrives.
  5. I have submitted the form to the Northampton County Court. Just to confirm the fee for this is now £14 if any others are doing the same. In the meantime i have received another letter from Cabot this time referring to an Abbey National overdraft of £1200 from 2007. I know for a fact that any account i had with Abbey was closed that year as it is the time i entered a joint dmp with my ex. I also know 100% that no payments have been made since July 2013. Any payments that were made prior to this did not come from my account. Am i right in thinki
  6. It came from Northampton bulk, is that where i return? Also on the document it asks for the warrant number and local number, the only numbers i can see in the documentation is a case number and the account reference number do i use these? i believe the fee is being reduced to £14 from 3rd August.
  7. The info from the court is in post 24 and all i ever received . It doesn't state how to pay so I’m assuming they can ask the full amount. Are you saying I should try and resolve? There is also a link to Cabot website which I haven’t accessed but indicates that a payment plan can be agreed electronically or a reduced settlement amount. Is that not an option?
  8. What concerns me is that although the ccj was obtained in Feb 2016 it is only because they didn't have my address that further action probably wasn't taken until now. It's evident that I wouldn't have grounds for a set aside so presumably they have a further 2 years to attempt recovery? On the original ccj there was a court fee of £410 and £100 solicitors fee added to the total. The fact they have now sent me the info and hold me responsible (which in the eyes of the law i am) why would they not simply apply back to court for enforcement and then add more cost
  9. Thanks very much. So they cant just instruct bailiffs without informing me?
  10. Hi, just to be clear in post 58 you advised writing to them and giving my correct address which i did and they ignored it. I sent a second letter and that was also ignored until now. I haven’t had any other communication and any payment made was in 2013 from my ex’s account via Stepchange. I haven't offered or made any payments to anyone since then. Just to be clear are you saying that unless I'm contacted about enforcing a judgement I ignore any further communication? They do state that normal collection processes will commence if they don't hear from me in 21 days. Also i do ap
  11. Sorry, this thread is a bit confusing effectively i found out a couple of years ago that i had a ccj which was obtained by Restons solicitors on behalf of Cabot in Feb 2016. A few months ago Cabot contacted me to confirm my address after a couple of letters back and forth as per advice they have now sent a letter explaining i owe this money and I should contact them. Additionally they added the details about the Barclaycard but no evidence.
  12. One is the mbna credit card which Restons obtained the ccj on in 2016. Presumably i have to do something about this to avoid possible bailiffs? The other is stated as Barclaycard which they advise they have no documentation but believe i owe It as paid via stepchange in July 2013. Is this not statute barred?
  13. Right, that didn’t take long. I have now received a letter from them with a stack of paperwork claiming for 2 accounts. The main one explains the account which is on ccj last paid via stepchange in July 2013 and then subsequently The ccj obtained via Restons in 2016 due to my lack of defence. The original credit agreement dated 2003 is included. The other account they state has no documentation but they believe i owe it due to payments via stepchange. The inference is they want to work with me on a suitable payment. The remainder of the documentatio
  14. Still had no written response but have now received a couple of texts stating that a personal letter is waiting for me and i may find it useful to log on via the link. I’m curious but also reluctant as I feel that any communication could be done by letter in response to mine. Any suggestions?
  15. I have.now sent two letters to Cabot and both have been ignored. I have now received another letter which looks pretty standard stating we have now confirmed your address, you have taken the first step and suggesting i set up-an account and start paying.
  16. Ok, will do. Don’t think its related to Abbey. When I confirm the address should i ask for details about the debt or do nothing?
  17. I have just checked again, there is no adverse credit showing and my address is out of date even though i updated the electoral role when i moved a couple of years back. The only searches are from energy providers and the score is fair. I have no credit and no previous credit showing.
  18. I genuinely don't know who may have a claim as it was with a dmp that was with my ex. I have no paperwork or current credit and my file does not show the ccj or all my old addresses. My biggest concern now is they surely will want payment. Should I confirm my address and query the debt then wait for next steps?
  19. My credit file states no court orders or adverse. I cant match the reference number on the letter to the reference number on the ccj and i have no previous letters, cards or other ways of checking. I’m fairly confident its the same debt but cant be 100% certain. Ive always felt that if and when the time came I would have to settle as although they didn't have proof i was unaware of the case and they got the judgement. I still don’t believe the debt was mine but not sure how i move forward. They have the judgement so I assume i have to pay?
  20. The only detail on the letter is a reference number but the amount is the same as the ccj so im guessing they will be looking to enforce. Should i make an offer of payment?
  21. Sorry, i had one court case which was settled and have lived at my current address for 2 years. This appears to be the same mbna debt
  22. I haven’t advised anyone of change of address, are you saying I should and should I respond to the letter or wait for a follow up?
  23. I have received a letter today from Cabot which claims they have confirmed my address and are now the owners of my MBNA debt and would like to arrange payment. I think this is one that seems to be passed from one dca to another and then goes quiet. Whatever the advice i can guarantee there have been no payments made to any dca’s or other organisations since April 2013 when i was in a joint dmp.
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