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welcometothejungle

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About welcometothejungle

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  1. Thank you again everyone. I will be writing to them this week and will let you know the outcome. Kind Regards, Leanne
  2. Hi Everyone Thank you for the responses. The debts are from the year 2003 - that is the date the credit agreement was taken out... not from when they defaulted (which I believe was a year later). The smaller debt is for 3G mobile. £250 The larger debt is an overdraft with Barclays Bank. £2000.00 I 'acknowledged' the debt over the phone by saying I had recieved their letters and wished to begin a payment plan. I did this in September 2009. I began paying them the same month. Before the recent payments, I had not paid anything towards them since 2004. I am not
  3. Hi I hope I can get some help! I had debts from years and years ago and they finally caught up with me. Yes, I was stupid and young to think that they wouldn't, and now they have. Lowell Financial Group contacted me about them, threatening legal action, they phoned me all day and all night for weeks, with letter after letter. So last September I finally stopped hiding and called them, they sorted out with me a payment plan, which I have been barely able to afford but I wanted to be harrassment free! I paid the debt for about 8 months, then my partner lost his job in Fe
  4. If it's due to your credit rating, have a look here: Help - How can I improve my credit rating | LearnMoney.co.uk Hope this helps
  5. DON'T DO IT!!! They offer nothing that you wouldn't be able find yourself. I once paid a similar company £50.00 who promised me they would find me a credit card which would accept me or £45 back, less fee! They wrote to me saying to apply for Barclaycard - high interest card. I could have found that out for myself! I applied anyway and was declined. I hounded the company for the money back.... apparently in the small print it says 'does not guarantee your application will be accepted'! It's four years later and I've never had my money back! Lea x
  6. Thank You SD, do you know if there is a template letter I could use or should I simply use that phrasing? Thanks again
  7. ask them to remove CCJ if I make a payment arrangement with them. ( I only know about CCj after obtaining my credit report!) Thanks for advice
  8. This what the court said "‘the claimant's claim is for the balance due under an agreement which is now all due and payable. the defendant agreed to pay monthly instalments under account numberXXXXXXXX but has failed to do so.and the claimant claims the sum of�XXXXX.the claimant also claims interest thereon pursuant to s.69 county court act 1984 limited to one year to the date hereof at the rate of8% per annum amounting to � XXXXX If I still owed them money why would my credit report say default satisfied? I'm sure I paid it all, but don't have any proof
  9. Hello again, Unfortunately no correspondance saying that I had paid it off, all old letters etc... I shredded them a few years ago assuming that would be the end of it. I paid the amount in two parts, my credit report says 'partial settlement' and gives a date. Then it says 'default satisfied' but with no date. Should I write to bryan carter or capital one for more information if I use the letter saying 'I do not acknowledge this debt etc...'??
  10. Hi Guys and Gals!! Oh, I'm so confused!! I recently obtained my credit report and noticed a CCJ on there dated 9/7/2007 that I was completely unaware of for £200 ish. I chased this up with the court quoting the case number and told it was Bryan Carter & Co for Capital One. But on my credit report it clearly shows that I paid the amount I defaulted in full and now has 'satisfied' next to it! Have they just plucked a random sum out of mid air and forced a CCJ onto my credit report? How can they do that? What should I do? I'm really worried because it has made my credit rat
  11. Hiya Thanks for the replies. I did have a capital one credit card card but paid that off in 2004 'default satisfied'. I have never recieved any correspondance from Bryan Carter & Co before, this is the first I've heard of them. I moved address in 2006, and had royal mail redirect on my post for 3 months after I moved, as I thought this would be sufficent!! I will move this to the legal forum Thanks again
  12. Hi Guys!! Oh, I'm so confused!! I recently obtained my credit report and noticed a CCJ on there dated 9/7/2007 that I was completely unaware of for £200 ish. I chased this up with the court quoting the case number and told it was Bryan Carter & Co for Capital One. But on my credit report it clearly shows that I paid the amount I defaulted in full and now has 'satisfied' next to it! Have they just plucked a random sum out of mid air and forced a CCJ onto my credit report? How can they do that? What should I do? I'm really worried because it has made my credit rating reall
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