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About nomoremoney

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  1. It didn't seem worth the risk. The previous page referred to the 'enclosed default notice' so it may have gone the same way as the other case referred to above. We are much better off financially now so if I'm going to pay it anyway, it would be better without the CCJ. This site and its members have successfully helped me with several others though so I'm still very grateful for that.
  2. They have paid the court fee. As it didn't look like we where going to have any luck in court, I've verbally agreed a Tomlin order. The default will disappear from her credit report in less than a year, yet a CCJ would be starting a new 6 year mark, so this seemed like a more sensible option if we were going to be ordered to pay it anyway. Thanks
  3. How do I find out if they have paid the court fees? Tia
  4. Got ya. No address on it either. But wont they argue that it came in the same envelope as the notice of default and so the date is obvious like in the other thread? Need to put all this into a witness statement. Can you see any other obvious failings?
  5. The big worry here is that this is my wife's debt. And she is very shy and nervous and absolutely dreading having to speak up in court. If it's not a sure win that's why I'm thinking it would be better to negotiate now, instead of with a CCJ. This is the only negative on our credit files and it will drop off next year.
  6. I'm struggling to see how to win this one, especially now after looking at the other thread. Is it too late to go back to our original dispute that they kept adding late payment charges even though they was successfully taking the minimum payment by direct debit? Reckon they would accept 50% as full and final settlement now, as opposed to £1 a month forever?
  7. Thanks for sorting the pdf. Think they covered all their bases with this one?
  8. Apart from the swapping of him to her and other things showing they obviously copy and paste all this, some parts stand out to me straight away: 19 do they need proof they sent the default notice? 21 what are they refering to? We did not try to accept any offers or even contact them other than the CPR requests. 22 RC4 shows they sent the notice of assignment to our previous address after we had moved Claimants witness statement redacted1.pdf Claimants witness statement redacted3.pdf
  9. Got a notice of allocation to the small claims track hearing. Case set for end of June. Claimant has till end of May to pay the trial fee so I'm guessing sit tight till then?
  10. Ok lol. We'll see if they continue with the claim then.
  11. This week we have received a letter from Lowell Solicitors. It says Enclosed is a Digital Signature completed application form. A copy of the notice of default. A Tomlin agreement which adds £100 to the balance and offers a repayment schedule whilst the claim is stayed. And a statement which is like a computer ledger for the history of the account. There is no running balance column so it is difficult to decipher, however it shows the charges for their PPI style 'Repayment option plan' which we never asked for and disputed on the phone multiple times, as well as lots of charges which now have a second description column labelling them all as purchase interest. At the time they were not labelled as interest and we kept phoning up to dispute them as we had a direct debit setup. Final 4 months is several hundred pounds of interest and fees after we raised our dispute and said we wouldn't pay anything else until the sorted it. Kept playing stupid on the phone and promising to investigate. What would you suggest we do next? Thanks
  12. Just a few quick questions about the N180 small claims directions questionnaire I've been sent. 1. Do I have to post a copy of this to Lowell? 2. Do I NOT agree to this going to mediation? As I do not ' have enough information about the claim, to allow me to enter negotiations' aka no response to the CPR request? 3. Am I calling myself as a witness, so putting 1 in the number of witnesses? Many thanks
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