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Everything posted by lilyx0xmunster

  1. Sorry for not replying sooner have been really ill x so do i forge ahead with an n244 and ex160a or just hope this falls on the common sense of the judge x my friend has no financial back up to employ a solicitor to do this for her so we are pretty much on our own and no CAB here either x as for ringing northhampton cc yes i now have copies of a ccj issued for barclaycard/link financial in September but prior to that nothing other than i sent a cca request to kearns and they replied with a statement of account there was a postal included o made sure i kep
  2. N244 and ex160a downloaded and filled in as on esa for mental health issues and memory loss as a result of a cva sepsis strokes kidney failure etc.. as for cca request i have sent another request yesterday to both the solicitor involved and Link aka IDR finance with a stern letter of complaint i have now this morning obtained all copies of the letter sent out and thankfully have copies of a ccj claim and judgement given on 21st September 2017.. this is an 'interim order' we have 28 days to file an objection which of course i will do.. however i know whole heartedly this
  3. ahhh sorry long stressful day going round in circle with this x so i've once again sent a cca request to link financial and again to kearns this time via special post (£6.50 for 2 letters) so they cannot deny receiving anything again.. just wondering what my next move would be .. this poor woman is beside herself as her financial details are now common knowledge.. including accounts frozen.. settled etc it just doesn't make sense
  4. so by clicking the link for the defence was a cock up of endless proportions then? arghh smh.. can this still be argued with and brought back to pre ccj and possibly a f&f agreed for this debt..
  5. nothing as yet.. will go through all the paperwork in the morning.. and no only messed with something along those lines once.. i'm a firm believe in telling creditors that i have no money here is my budget for the money either accept token payments or right it off.. successful up until now and with several cca requests.. fmotl messes ya head up.. the money claim online was advice give by both cab, mas, and national debtline i think it was. . this is the only company we have had issues with it seems. . all the others accepted this person has severe mh issues an
  6. nothing received about a ccj claim form i know to log on to moneyclaim and defend their and click enter defence then ask for a cpr31.14 from whoever is bringing the claim and zip nada nothing.. with regards to cca request i sent 2 to link financial they never opened the letters simply returned via royal mail unopened as i sent them may and june last year recorded delivery i thought maybe i'd got the address wrong the first time but, obviously not after digging about online and on [removed] they are known to do this.....
  7. no other address involved. . although there is an identical address within the same city.. same street name same city just opposite ends but only difference would be the post code and obviously name on property. . although the other one is a commercial property. . and why on earth would they inform family members of financial details to this person when they have no financial links to the person owing the money if indeed they do owe the money
  8. i will update in the morning as its been a long long day but the long and short of it is i sent a cca request it was ignored.. . as i pointed out above.. then the solicitors 'kearns' said i did not include a postal order which i did and they never banked only sent a statement of account then proceeded with a ccj.. we received zero notification about that either until this paperwork arrived today.. so now its a charging order. .(i assume its a charging order they have gone for after digging about online and finding out this is not the first instance of them doing so)
  9. Hi I've been helping someone with their debts and managed to get most of them into a plan or written off due to mental health issues and advice from CAB, today we have received a letter from a firm of solicitors along with a list of creditors (and credit file) with said persons name on... then to find out several family members have received a copy as well.. this person owns the property they live in.. the debt in question is 2k for an old credit card debt that got sold on and sold on we had asked for a cca request back in may of last year and again in june (14 days
  10. how about sending an SAR to HMRC playing detective to actually see if you do owe said debt and whether it was their mistake or not? I also believe that if said SAR involves more than 40 hours of searching (when you play detective in your files) then the SAR becomes free.. I found this out when questioning my own HMRC so called 'debt' turned out they owed me money after i proved I have informed them of every single change along the way.. just a thought.
  11. Like i said i did some reading online and with some help challenged i'm not saying its correct and maybe like someone else mentioned they didn't have a cca to begin with, hence i got lucky..
  12. Not a lawyer just a legal advisor who does thing by the book in a charity based advice centre this was something we came up with together outside of this arrangement after i read lots of stuff online using what i used here previously and just challenged the legality of the debt with the dca x my Stance was i hadn't signed a contract with the dca and thats what i argued with them over the debt x i guess i was lucky is all x
  13. It was for £789 to be honest and it was through a friend who is a legal advisor that helped pen it together fmotl is not something i have read up on tbh.. He only deals with bank debts through a charity advice centre so i dont get why you would insist i have used fmotl
  14. This is what a legal friend and I came up with after reading lots of stuff online and questioned the legality of assigned deeds we worked on the assumption that lowell had no deed assigned to them with my permission Reference Number: Dear [Person who wrote to you], Thank you for your recent contact dated [Date In Full], the contents of which I note, but do not accept. I hereby request that communication from this point forward be made in writing only, and that you do not attempt to contact me by any other method For the avoidance of doubt, this n
  15. I'm not 'into' freeman of the land crap as you put it renegadeimp.. . this was merely using what i have learned here in CAG and researching online. . yes companies can legally buy debt. . but after consulting with bulk centre for ccj processing recently they confimed as did a legal advisor that on a technicality you can indeed challenge the legality of the purchase (not acting on behalf of client mind you) as you were only ever in a contract with the original creditor. in theory Lowell/Cabot have purchased your debt from your cc company or catalogue company a
  16. I have recently been doing some research into legalities of purchasing debts and enforcing them.. From what i've read online and social media sites When a DCA purchases your debt you do not have a contract with them. you run up a bill with BT avoid paying for 3-4 years then lowell/cabot etc crawl out of the woodwork and decide to chase you for said debt.... however technically you never entered into a contract with lowell/cabot etc only the original creditor when you ask for documentation regarding your contract with said DCA they can only provide you with
  17. i have looked everywhere for an email to a manager etc.. silverfox you are a hero thank you
  18. I switched to plusnet in may this year to their phone and fibre service.. took initial payment by debit card fine no problems.. phoneline changed over really smoothly however, the broadband/fibre date changed without our knowledge.. hmm not happy they apologise profusely and say it was out of their hands....ok so i let bt openreach take the fall 6 months in failure to even get close to the 76mbps more like 12 on a good day. . checked via their bt wholesale web tool which proved my point entirely about speed. . nothing is changed there.. Payments.. hah they are a
  19. just an update for you.. I spoke to the council asking them to record the call as i would be doing the same spoke to the relevant department who confirm they have 'lost' 3 sets of personal data relating to me and my hubby and therefor cannot comment on the demand..but i should 'pay up and claim back later' .. oh my days..
  20. Council tax demand x i am currently searching through old bank statements to prove i paid but they didn't send me a final letter just returned payment via cheque when i rang them to ask why they told me it was paid this was anyear ago now
  21. I received a bill from our LG for £694 and so many pennies relating to 2008.. However, I set up a payment plan back over 3 years ago and paid it off with confirmation from LG and even had returned cheques due to 'overpayment' on my part.. so to all intense and purpose 12 months ago i was now free and clear of this noose around my neck.. this week i received a demand in red for the same bill and the council are denying any knowledge of payment/receipt from from myself let alone that is was cleared.. any advise.. i have already asked for all information pertaining to said bill and have been told
  22. ok just to update BCW are chasing for a debt of £344.58 when orange have stated the debt is only £85.02 thats a major difference in amounts. However, Amy Harrison from the CEO's office has stated that as a gesture of goodwill they have waived the remaining balance on the account? Can BCW still chase for this and if so what to do next?
  23. hi lee just to confirm that the network is still down and has been for a few days since i last spoke to someone at vodafone, I have also spoken to trading standards as they advised me what the next course of action would be as several other vodafone users have also done because this issue is still happening.. i have gone through all the necessary check on all phones to be sure i wasn't going mad, and even the 'how far do you have to travel to get signal?' business well i've been 7-9 miles in each direction for a trial run to make sure it might work and guess what?... nothing.. i can only hope
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