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About RoadToRecovery

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  1. Hmm, just been reading about redetermination since the last post, was unaware it was called thus. thanks Ganymede.
  2. Thanks Andy, helpful as always. You guys are a credit to the forum. I have practised your long 'no blinking' game for a while now and have had two years of respite but fear the weight of the financial institutions may be about to descend my way.
  3. I have a ccj which I didn't contest, I owed the money and all documentation was correct. I filled in all the forms and admitted my liability etc. I made an offer of what I (or my wife more accurately) could afford per month. This was accepted, and no payments have been missed. Today I received a letter asking for me to complete an income and expenditure form within seven days as they are looking for me to increase the payment. I am not working, marriage is not healthy. I have done a few bits of programming, earned a max of a few hundred pounds over the past twelve months. Can th
  4. Sorry can't be of any help, but subbing with inmterest. good luck.
  5. I started receiving correspondence from Wescot in August about a debt to a bank I have never ever used. I sent the standard letter I saw on other similar threads quoting; I am are familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. They wrote back asking for previous three addresses to confirm I was the correct person. I confirmed addresses and received no further reply. I thought that was the end of the matter.
  6. This one is surely the judge believing the verbal evidence of a bank employee over that of the defendant?
  7. Guys, just tried a few times to donate and getting a fatal failure message. re: toolbar, how difficult is it to produce a version for each browser? I use safari but will revert back to ie for the time being and install the toolbar.
  8. Thanks, managed to get the funds together and bought a copy.
  9. I was about to purchase the latest edition of the small claims book through the CAG link. Before doing so, I could not find information that perhaps I should already know. Is this guide book only suitable for people defending small debts of less than £5,000? tia
  10. Same here. Experto bought the debt, only had a couple of letters over the past six months.
  11. I have spent many hours reading to try and determine if an agent acting on behalf of the OC can issue a default notice? The reading has been invaluable but I could not find an example of this scenario. I downloaded and printed the Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983. (Recommended for anyone not already familiar with the document. Apologies, closed all windows and lost link, will find and post as it is useful) Even if they are permitted to issue the DN, there is no mention of the OC address which is supposed to be included. All other co
  12. A good read, and gl should you ever reach the stage where it is needed!
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