That's great, Many thanks!

I was checking my credit report earlier and found a ccj I know nothing about. Judgment date 05/10/2011 Amount £ 288 Court name Northampton I have a court number but it doesn't say who I owe. How do I find more information on this? I do not recognise the amount at all. If its an old debt that I have paid, how do I remove it etc? Any advice would be splendid!

Thanks dx!

No it just says £288 in the Northampton Court. I will start a new thread for that

It doesn't mention NR or Lowell. I do have a CCJ for £288 from 2011 that I know nothing about lol.

Tops! Many thanks!

You are talking in code....I have no idea what you are telling me lol

Nothing at all has been paid. i thought they had literally 'written it off'! lol. Critical is good! I just need to know if im okay to carry on as I am or if I am going to have some bailiff come and take my shoes! What is the FOTLM though?

Oh I bet they laughed, it was very 'tongue in cheek' to be fair. Loan Started in 08/2004. Last Payment 14/02/2006 They sent me a copy of the signed agreement with my statement. I have loads of letters from Lowell but not sure if I have had a Notice of Assignment.

My point is I have a statement from them saying the debt was written off, doesn't that mean it has gone? What is FOTLM?

I have had a letter from Lowell regarding an old Northern Rock loan I had. When NR got into trouble and public money bailed them out, I wrote to them and explained that now the public owe the company, I (as a member of the public and therefore the boss) have decided to wipe the debt. I didnt hear back from them and now have Lowell demanding cash. I have argued that I don't owe them anything as my northen rock account is clear. I dont know how far I will get with this but this is how I have worked this, not sure if I will get away with it.... I read the 1882 Bills of Exchange Act and from what I can work out is, If the company PASSES on the debt to a collector, they can collect. If it is SOLD, your balance with the original debtor is cleared and you must enter into a contract with the new debtor. I managed to get a statement of my account a while back and it clearly says on there, *11/04/2007 Bad Debt-Write Off 12854.88 Bal: 0.00* If I have a statement saying it's written off, balance ZERO, surely I am free of this debt? I have written to all my other original debtors to get statements from these too and asked under the freedom of Information act for details of the sale of my debt. If they all come back saying the same, How can a court say I owe Northern Rock or anyone else anything? If it got to court and I present a document that the account to 'Company Name' is clear and at 0.00, surely it would be set aside. Maybe I am just hoping for the best but its what I am going with. If I hear anything new, I will update you all.

It first started the day we moved in. As we were carrying things in one of the neighbours came out and was shouting at us. Their family is well known in the area and I laughed at her. The van was on my drive, nothing obstructing or anything. My wife used to get along with the neighbours, I used to help them out all the time. I used to fix his pc, build his kids bed for him, gave him furniture and toys and playstations for the kids (which they then sold). I even paid for the people to fix his bed-bug problem and was always round there when he collapsed to pick him up. He has a bad back and always collapses the day before his hospital appointment but manages to walk the 4 miles home from the appointment with bags of shopping. I dunno, maybe I'm the problem. I guess I will find out. The only thing I can think of that has upset them is to continually prove them liars with my CCTV, that must be annoying.

Not sure if this is the right place but if someone could help, that would be great. For the last 9 years I have had problems with my neighbours. The last two years have been intense. My wife couldn't handle it and has left, she now lives 25 miles away because the stress is to much. My kids go and stay with my sister during holidays because they cannot handle being around here. The first time they went out to play in 18 months and the police were called and we had all manner of aggro even though everyone elses kids can play out and do as they please. My kids are not breaking anything or screaming their heads of, just to make that clear. I installed CCTV a long time ago and we have loads of footage of the neighbours sticking their fingers up to my kids and wife, throwing stones, climbing over our fence and shed to break one of our cameras, coming into our back garden to damage property and hurt our chickens (which we no longer have). They call the police and lie about things my kids are supposed to have done ie; they said my children broke someones outside tap even though they were at my sisters over 40 miles away all that week. They accuse us of damaging their vehicles but we have the CCTV to prove nothing happened! They always have witnesses to these things so the police automatically take their side and wont listen to anything I say. It has got so bad that the other day the police came round and I threatened to batter everyone including him and thats not good...I am just getting so stressed. It has become so much worse since a few years ago when all the neighbours decided they wanted to get a lad around the corner kicked out because he has front lobe damage and can be a major pain sometimes. The neighbours grouped together and asked us to write a statement saying he was doing lots of naughty things etc but I wouldn't go along with it. They told my wife "If you dont do it with us, you guys will be next!". When she told me this my wife was really upset but I still said no, Im not going to persecute an innocent man. I then reported what they said to the Housing Association. Since then, then neighbours have kept their word and tried everything. If I didnt have my CCTV I am sure I would have been arrested for some of their false complaints because, as i say they always have witnesses. The housing Association offered mediation that we accepted and they were full of promises but they never delivered. They said they would put cameras and microphones up but they never did. We sent told them of everything that happened with the neighbours, they done nothing so we gave up. What I would like to do is ask the Housing Association for a copy of my file so I can get all the letters I have sent to them (my pc died and i lost all my copies) and I would like to take all of this information to a solicitor and see if I can sue for harrassment, deformation etc. I love my house but have registered with a house swap website, even though I live in the best area you can get. I dont want to move but I dont want to live here when my children cant breath without getting abuse at every turn. Please help someone!!!

Hi,My wife took out a mortgage years before I met her with her ex. The house was repossessed in 1995. About 5 years ago she got a letter asking for £17,274.50. She wrote a letter of authority for me to deal with it and I told them to get stuffed as I am sure it is staute Barred. We always leave a forwarding address when we move and had not heard anything for 10 years so i thought we would be okay. Is it statute barred? i received a letter today asking for the same amount and I am wondering what I can put in this letter so they get the point. It has been 15 years and I am hoping if you guys/girls and tell me if it is staute barred, any laws I can quote to force the point home? I would love to tell them to take us to court so a Judge can tell me if what they are doing is legal but im not sure how to play it yet! They waited 10 years to conact us, I tell them to get lost so they wait another 5 years....I dont get it. :-|