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About mabski

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  1. I'll tell them it's statute barred when it's time to do so.... i've been at the same address for 15 years i haven't moved, they know exactly where i am as they were sending court bailiffs to my address most of last year, they had to change them as after i spoke to one they never came back because there's no money to pay them... .plus the burnt out cars on my street i think scared them off... i got into way too much debt towards xmas 2012 and sent all my creditors letters asking for reduced payments and giving them my income and expenditure breakdown and to date i've still not
  2. Again sorry but i thought the question was pretty simple not vague....perhaps its the way i phrased it. The last few debts that haven't got CCJ's against them are coming up to statute barred as i stopped paying my debts in December 2012.. All i was wondering is if they were to gain CCJ'S this close to the 6 years would they be able to chase me for another 6 years and would it still affect my credit file, not that it would bother me much? There's nothing i can do about it i was only looking for the answer. ..i can't afford to pay them anything as my financial situation is ab
  3. Again sorry there's nothing to update...i'm still deep in debt and getting hassled by bailiffs and debt collection agencies i just come here to look for advice...i wont bother you again... Cheers
  4. Sorry i wasn't aware i posted in the bailiff forum i though id posted in the debt collection forum
  5. Hi I'm looking for a bit of advice regarding a debt collection agency that is hounding me at the moment... I have a few very old debts,credit cards and Catalogue debt that will be statute barred come December but this debt collector is now planning to issue CCJ's on them... There's a couple of these debts where i have grounds to dispute them as they are actually not my fault as the originally company just didn't attempt to take any payments off me for over 12 months and when they realised they demanded all the back payments all at once... My question is are there guideline
  6. Hi All I've been getting chased by lowell for a couple of credit card debts from 5 years ago and they've issued a couple of CCJ's against me. They instructed a court bailiff to come to my address and act on a warrant of control for my goods but i was never in when he called. One lunchtime he caught me coming home and i explained my situation to him, told him that he was chasing a small part of 20-30 grand worth of debt and there was no way i was ever letting him in... He also accepted that i had no way of paying off my debts as i live in a council house with no assets s
  7. No there's no n number on the letter .... would it make a difference because it's a welsh court ??? In total with all our debts combined It's about 15k and we have no way of paying it off... so the DRO sounded a good idea They're all from around the same time about 4 years so I don't think any are statute barred.... I haven't heard anything about them for years then suddenly the court papers started turning up ....
  8. I don't know how can i do this without revealing too much info as what you want to see is just hand written names ,my wifes and mine, and both case numbers, both of which would reveal too much info??? Its literally a standard removal/take notice with our local county courts address on it with the bailiffs/enforcement officer's name and phone number at the bottom. Handwritten at the top is my wife's name and case number then mine underneath and in a space between paragraphs is another handwritten note saying locksmith £250...
  9. im sorry if I seem to be asking the same question again I've hardly slept the last couple of days worrying about this but the bailiff can't turn up next week with a locksmith and the police and take what little we have can they ??? I've read of stories of the police making people let the bailiffs in even when they don't have too and I don't want that happening to me ... I am going to try and get an appointment with the citizens advice today to apply for a DRO but I think the last time I went there I had to wait about 3 weeks to see someone... Thanks everyone for your help
  10. Most of my debts are like this I have 4 catalogue debts and 2 credit card debts....does it make a difference in enforcement???
  11. What's the difference with high court enforcement and how often does it go that far ?
  12. I can't afford to pay Lowell that's the problem.. . it's not a case of won't it's just we're barely managing now and if I offered payment on this case they would just keep coming back for my other debts as well.. ..it would never end.. ..I just need to know exactly what are the possible outcomes??
  13. I thought that the court couldn't grant a forced entry ??? or am i wrong ?
  14. No we have never had a joint account we keep our finances separate... they have listed her credit card debt CCJ and my debt with a different credit card company on the same form... I think he's just combined it to save chasing us both separately .
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