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Skintsuzi

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About Skintsuzi

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  1. Hi Shuffler I ponted out their error when I recieved a letter which threatened me with bailiff action ect!!!!
  2. Hi Theshuffler No i have not paid any money. I am disputing this debt as I had paid all my debts in 1998/99
  3. Hi All Just thought I would give you an update. I recieved a letter today from capquest. I had recieved a ccj from these guys and I live in scotland they also obtained judgement at the wrong address!!!! Dear Skintsuzi Account xxxxxxx Balance xxxxx Debt purchased from HBOS plc Thank you for your recent correspondence. With reference to your email dated . I can confirm that the legal action was issued on the balance of xxx in Northampton County Court and Judgment was obtained on 1 September 2008. I can also confirm that we have advised our solicitors to remove judgment
  4. Hi All Just thought I would give you an update. I recieved a letter today from capquest. Dear Skintsuzi Account xxxxxxx Balance 968.11 Debt purchased from HBOS plc Thank you for your recent correspondence. With reference to your email dated . I can confirm that the legal action was issued on the balance of 299.99 in Northampton County Court and Judgment was obtained on 1 September 2008. I can also confirm that we have advised our solicitors to remove judgment from your name as it has been obtained in error. I apologise for the inconvenience this may have caused
  5. Ida Thanks very much for the info. I have lived in Scotland all my life. Will try and get this sorted out and let you know how I get on.
  6. So I got my credit file and I do! have a judgement order against me. Northampton court and never got any court papers. Can anyone help me with my next move? Thanks
  7. Im not in Northern Ireland, however I have been issued a ccj in Scotland!!! Its not on!!
  8. Dear Sir or Madam, Account number: I refer to your letter on 9th February 2009 In your letter you state that the seller requires to explore employment position with customers in order to ascertain:: 1. Whether a customer is eligible for the policy 2. The cover which the customer would be eligible for at the start date I purchased the above policy from you in 10th Jan 2005 but now believe that I was mis-sold this policy for the following reason • This is due to the fact that knew I was on a part-time temporary contract when I took out the loan and I made this aware to y
  9. I am hoping for some advice, last year i was off my work for a long time due to stress ect, now I realised I had ppi on both credit card and loan with tsb, however after phoning the claims line for credit card was told i was not eligible for cover.I assumed the same would be true for loan. I was sold PPI single premium with my loan in Jan 2005 and my circumstances have not changed since then. When i applied for the loan I was part-time temporary working which was advised to the salesman also I stressed that i was worried I may not get the loan he assured me that if i took out the PPI this wo
  10. Quote: Originally Posted by theshuffler was the court order made in northampton? if so you have the same argument as i did suzi and at the very least you will get this debt written off If this was theshuffler, I will use the same arguments. Also I am pretty sure this was all paid of in 1999 when I sold my house to pay for the mess I got myself into, These guys are just chancers and I will not let there threats make me pay a debt I do not owe. Think I might have some fun with this now I am wiser (thanks to this forum)
  11. I have had the same letter from capquest. I live in Scotland http://www.consumeractiongroup.co.uk/forum/dealing-debt-scotland/210550-cap-quest-judgment-order.html#post2306116
  12. Thanks for all the advice, will look through the forums, there is soo much useful information on here. What a great resource.
  13. Hi Ida Thanks for your response. I have just sent away for all my credit reports today. So will wait and see what i have on there!! Last payment would have been at the very latest sometime 2002. Im so glad i have found this site , having lots of harrasing phone calls and letters from debt collecters which I assumed i had settled when i sold my house in 1998 to pay them all off.
  14. Have came across this forum a few weeks ago. If only I knew about this forum years ago. Any way I have recieved a letter at my old address which, as I know the postman was sent/forwarded to my new address. I got into a lot of trouble with credit when I was younger 10years+ ago. However sold my property at the time and paid off my debts. Dear Skintsuzi Debt purchased from HBOSplc Balance due 1048.77 Judgment sum 386.99 On the 01 Sep 08 a judgment order was obtained against you which represented only a part of the balance due as we endeavored to keep legal costs to a
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