Jump to content


Registered Users

Change your profile picture
  • Content Count

  • Joined

  • Last visited

Community Reputation

1 Neutral

About dj0nes

  • Rank
    Basic Account Holder

Recent Profile Visitors

The recent visitors block is disabled and is not being shown to other users.

  1. Yup, it was actually defaulted 22/01/2018 according to the credit report.
  2. They are reporting it as a default every month since May 2018, nope same address, same telephone number same everything.
  3. Hey Guys Brief summary: Finance took out in 2016 on £10,000 car - paying back £14,500 on a 'hire purchase agreement' with Marsh Finance. I have paid over 1/3rd Last payment made December 2017 Defaulted on May 2018 Since then I have had NO communication from then asking for payment or return of vehicle or any county court documents etc. The car itself I actually crashed in Feb 2018, and stupidly I didn't declare a previous speeding conviction so my insurance paid out to the third party but not to me (Yes totally my own fault I know) The car is worth about £7k at the moment (
  4. Hi Both, Thank you so much for your replies. Andy, I totally hear what you are saying and I don't profess to have any experience or education around the county courts hence why I come here so please don't let this sound like I'm questioning you at all I'm just curious to know but my uneducated concern is should it be my responsibility to even entertain what they have to say before they've even proved the debt is legit? I recall having a Lloyds account back in 2009 (ish) but I don't recall there being any monies owed on it. I'm probably being really naive here but surely b
  5. Hi All, The plot thickens I've just received an email from the courts asking me to confirm four questions to see if my case is suitable for mediation, one of the questions it asks me to say yes to is below.. I can confirm that I have enough information about the claim to allow me to enter into negotiations and that I do not require any further evidence from the other party before the appointment Through no fault of my own I cannot say yes to this and now because of that I can no longer participate in mediation putting me at a disadvantage. Is there any rules on this
  6. Thank you Andy, One thing I'm not entirely sure on is if Carter does manage to get hold of the original paperwork for the account (Apparently it is not being handled by Lowell now it is handled by Fredriksons despite Lowell being named the claimant on the court papers) is there a chance they can just produce that to the court and my defense is for lack of better words nullified and they win by default or would they still have to follow the process through the track and local court hearing? Thanks for your help.
  7. Good morning Andy, I only recently returned the DX nothing further has happened since. Many thanks
  8. Hi All, I've had Lowell and Carter lodge a claim for £1,450 against me for an unpaid overdraft on behalf of Lloyds TSB in November. I acknowledged the claim online and later then submitted a defense to the tune of I do not recognise I owe this debt and that I am unable to defend myself unless proof of the debt is disclosed and that it is the claimants obligation to provided the defendant proof. The defense was accepted by the court and a DX was sent out to which I returned and opted yes to meditation and to allocate to my local county court. In the meantime I emailed Lowell
  9. Very good point, however the only other good alternative for me is for me to win a time order in court but as they're unwilling to reinstate the agreement surely a consent order would be the only way forward there too? Or could the court order the agreement continue, I'm thinking probably not?
  10. Movement! They have e-mailed me back saying they would be willing to accept the £1000 and after payment would then pass me through to the legal team to setup a consent order. Should I go for this, is there a danger I could pay the £1000 and then they turn around and say well actually no we are not going to set up a consent order or can't and then continue with repossession?
  11. Okay great plan! I rung them to offer payment but they said it's being handled by the asset management team and wouldn't take the call any further so I have responded to them on e-mail once again offering a payment right now of £1000 and a further payment of £761 on the 23rd of this month so I shall hopefully receive a response on that shortly which will all be in writing. If they refuse which I am expecting them to do and I then submit a time order do they then have to halt the repossession process on the receipt of proof or are they still within their rights to carry on? I intend o
  12. I don't no, I am sure I can find them though. What's your thoughts around it?
  13. It doesn't Would need to pay just over £1700 to be over a third, so basically they knew if they let me have the extra two weeks I'd be over a third paid.
  14. Hi Ell-Enn, I hope you are well just a little update I received a response from them as I also e-mailed a copy of the letter to them too. Basically long story short is they are not changing their stance it's £1550 by today or they are instructing their goons to try and reposes. I've offered them the £1000 and the remainder including this months installment in a just under a couple of weeks but obviously that's not good enough - but I tried! What should my next move be should I just keep the car on private property and communicate no further until they are finally forced to lodg
  15. Thank you so much Ell-enn that's brilliant, I will get it sent out first thing tomorrow morning via next day special delivery so it will arrive on Sunday with signed proof. I think what I am offering is reasonable, yes I've been in financial difficulties and I'll hold my hands up not lived up to my side of the agreement in terms of repayments but I am putting my money where my mouth is by offering £1000 straight up then the remainder cleared within two and a bit weeks, if they repossess the car yes they can auction it off and they will still recoup money from it but n
  • Create New...