agreed - we dont have an x box anyway - i think ignore for the next 6 years - she did iva or some sort of compliance , paid a lot off but here circumstances changed and she could not keep up payments.preying on the weak as always

bancruptcy is a good option or be made bankcrupt as she cannot pay , or let the bailiffs take what she has . mother with three kids, one 3 years old!

cheers lads - now i remember how to do the upload but i forget the site i need to do it on

can i get the info to refresh my sad old mind

and it will be done

Well it started with a letter I found on the bedside table from a dca .I asked for her to show me anything she had been sent. When I returned home from work I read the paperwork and found she had two ccjs already . nobody has turned up yet.

bad news i am afraid - my gf has brought it to my attention that she has two ccj against her that she did not respond to . 2 dcas took her to court in a clearing house so we ,i suppose will expect a knock . any idea how to approach this.

thanks guys

on a lighter note all my debt is now SB thanks to your help ,i survived the debt holocaust thansk to your help and am acually fair rated on experian

many thanks - its all unsecured debt see!!!

oh mighty forum

can i ask for some clear advice - what do we do if we get a doorstepper hounding for money

thankyou

we recently received a threat letter from a company that the company which resided here at the address,before we moved in

,received a ccj from.

they still have the registered address as being here

and from my due diligence see it will soon be struck off companies house.

naturally i do not want bailiffs attending this address

any ideas oh mighty forum

regards

here is what they have written back to me saying

it is ordered that

the district jude intends to deal with the application by written representations as follows

the respondent to the application shall file with the court and serve written representations by 4.00 pm etc etc

so if anyone knows - what do i do next

i put in my n22 stating the company has a name change however i am not sure of this next step as its a new one to me

thanks oh mighty forum

Form n244

change of name

cheers lads

let us see what happens next

regards

yes to vary, as the company has changed its name since ccj!

any idea how i go about doing this brigadier ?

can i ask how you changed the naem on the ccj???i have the same problem with a debtor and the company name has changed

yes i have ccj

amount 700 sterling

forthwith

i believe i need to get the name changed ??but unsure how to do this

i think i need to vary the order?

Oh mighty forum!

I have acquired a CCJ against a debtor ( I wont bore you with the details). The debtor refuses to pay because I have not used their full business name, having missed out a part of their company title. How can i enforce this debt as they refuse to pay.

just as a note - would anyone say its worth rattling experians cage???i belive i could seek a lot of info from that?/

yes

i have started this action - this may be why they have started the letter cycle again !!!Having rattled the cage the rats have started coming out !!!

quite a few to get through too !!

many thansk and updates will come through

Agreed on all points

time to start reclaiming??could i have clarity on that one d?

i await the next letter and will update .this next period is when i can start ticking them off , 1 by 1 so understandably a letter cycle has been instigated again???!!

Oh mighty forum

i have poured over the data avaialable and would like a clarification

- when does the countdown start on statute barred.

the reason i ask is the due to barclaycard selling my debt on to lowells.

I am now very close to SB .on my calculations they have between 2 and 8 months left.

please can i get clarity on this one.

i stopped paying on most of my debts sep 2008 but default or closure of account happened later .

so as its the last year i would like to start being able to fighting back a little.

many thanks to all that support

basically not being able to keep up the repayments sadly. i wonder why i am not being contacted . might it be, if they rattle the cage i may just seek ppi and the debt is lower than what i might claim?

no , not at all. i have to say that most of my cards weer taken away from me over the past few years due to impecunity!!!

hi oh mighty forum

i would like to know how long i have to claim ppi - most of my credit cards are from 2005 onwards , how long before i cannot claim on the ppi ?

many thanks oh wise website

i have a few credit cards and also an overdraft so as you stated, i will not be able to get the cca for the od . i refer, if i may to the question, so as to be clear, that if i request a cca on a credit card it does not reset the clock and is not considered and acknowledgement.

many thanks for your help

finish line in sight

can i just query this - if i as for a cca , does this then become and acknowledgement of the debt and the clock is restarted

as soon as i went over my overdraft facility (over overdrawn) i started to receive letters to which i have acknowledged none