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Everything posted by mabski

  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 received a response off a single one in fact one even raised my interest rate afterwards. .. luckily i can go back on my online banking and the last payment made to any of them was December 2012... so i know the last one will be statute barred at the end of this year.. They have got three CCJ's according to my credit file which is why they sent the court bailiffs last year.. I'm resigned to my fate as apart from two of my debts they are my fault i just couldn't service them all and those two if push comes to shove i will defend in court or at least point out why i don't owe them, thats if they'll actually transfer the cases to a local court this time unlike the last CCJ which i requested by moved but somehow was still rubber stamped in Northampton... As i said i only really wanted to know if there were timescales about when they need to apply for the CCJ's or can they make them last almost 12 years by leaving it till last minute before doing so ?? Thanks
  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 about to get even worse because my wife is being made redundant in two months and we're barely managing now... I know that there's a timescale for a default to be registered and thought they may be such guidelines about how long it should take for them to go for a CCJ ?
  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 guidelines on how long it should take a dca to go for CCJ's ??or can they effectively stretch the effects of them out on your credit file over 12 years by waiting the 6 years before issuing CCJ's which will then last for another 6 ??? Thanks
  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 so he said he wouldnt be back and that he'd refer it back to lowell's... They must have instructed a new Bailiff as we started getting hand delivered letters off a woman instead but i never actually met her as she never came when we were home the last letter we had off her was one saying she was coming back to remove levied goods, as she had never gained access to my house i just ignored it as it was obviously just another threat. Now we've received a letter from Lowell headed failure/aborted warrant of control and i was wondering what this actually meant as I've never come across this before??? Does this mean they'll have to go back to court and try again or have they dropped it?? I know they've just sent me another pre court letter for another part of my old debts, a year before i would have been statute barred..... You would think they'd realize that if i cant pay the first few what hope do they have of pursuing more ?? Anyway thanks for any help given ...
  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 and advice
  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 .
  15. i have a 12 year old banger outside with a dodgy gearbox and an even older car on the drive that we bought for our son as his first car which doesn't run either .. i live in council housing so theres nothing really to take apart from household items .. . we're not rich we just got into a load of debt that we couldnt pay back... As i said i don't own my house and we're only just managing as we are so i couldn't afford to pay them back even if i wanted to.
  16. I think im confusing things here i have about 8 accounts that i owe but this is for one of mine and my wifes one. it looks like a blank generic notice with both my case number then my wifes case number handwritten on the top of it. I think its for one of my CCJ's and also my wifes CCJ.. I think its from my local county court even through both CCJ's were gained from Northampton bulk. The notice has the local county court header on it and it just states the guys name and his title -Baliff/enforcement officer and his mobile number
  17. The letter was a unfilled out removal/ take notice with the local courts address on it which named both myself and my wifes separate debts owed to lowells and read like this... Enough time has been wasted with this matter and failure to respond. As you have failed to contact me in reference to the above warrant issued. You leave the court no option to enforce the warrrant by removing goods to the value of the warrrant plus added court costs this may be done in the presence of local police. ( then theres a hand written part " locksmith £250") then theres the option to contact him to pay immediately to avoid enforcement of the warrant and the n threatening to come back in 7 days to remove goods..
  18. I think i owe around 10 k in total over about 8 different accounts and my wife whos also named on todays notice owes about 4 k on 1 account. I have 3 CCJ's at the moment with lowells trying for another and they have 2 of the others.
  19. Hi It's been a long time since I was last in debt and had to deal with bailiffs' and debt collection companies so i'm not sure if things have changed so i'm looking for a bit of advice ? I Went home this lunchtime and a bailiff had left a letter threatening to get a locksmith to break into my house to remove goods with the police possibly present. ..in fact the letter was quite threatening I thought that this was illegal as the debt owed was a personal debt through a county court CCJ not a magistrates fine or debt to any other governmental department, what I need to know is are they allowed to do this. The debt collection company who pursuing this debt is lowells and they have bought a lot of my debts and are trying for CCJ's on all of them and is this how they operate now ? Thanks in advance for any replies
  20. Thanks for all your help, sunny have just phoned my wife and have told her that they've found the money. Apparently they've had it since the thirteenth but have only just realized it now despite the numerous phone calls we've made in that time. Funny how they've suddenly found it after we threatened them with the fos but again thanks for the help
  21. Hi I'm looking for some help regarding a sunny loan that my wife took out two weeks ago. My wife applied and was accepted for two hundred pounds online but she made a mistake with her account number, one of the buttons stuck and duplicated a number, so the money never made it into her account. She phoned sunny who told her that she would have to check with her bank to find out if the account number they sent the money to actually existed and if it didn't that the bank would transfer the money back within five days. We went to the bank at first they didn't want to confirm that the bank account where the money was sent existed or not we managed to speak to someone who told us that it didn't but that sunny would have to claim the money back as they would not send it automatically. We again spoke to sunny who refused to claim the money back and told us it was our responsibility to get the bank to return the money not theirs, back to the bank we went who again said as it was sunny who made the transfer they would have to claim it back.. Now we are in the situation that we're going to have to pay the loan back next week even through we've never actually received any money from them... Has anyone got any advice on how we can handle this or any legislation we can use to get them to just claim the money back? Thanks for any advice given
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