Hi. It was added afterwards. Does it matter? Thank you.

Thanks everyone. Your inputs are very much of help. I just realised I have to be more firm and stop them scaring me. I'll update if anything interesting happens. They already defaulted me anyway, might aswell bring it on with them. Thanks again guys! More power to the site.

I think Next does. Coz, they are the ones who put the default on my file. First default ever. If only they have been more understanding of my reason behind falling out of payment. What will happen if I ignore their letter tho?

Thabk you all. If i don't pay it, will they send me to court and eventually given a ccj? That's what I would like to avoid.

Thank you for your advice. Do you think it will also help if I send the same offer to moorcroft stating that it has been accepted previously and cc both Brecon Debt recovery and next? Moorcroft gave me till only the 31st.

Next have put a default on my file already on October. Brecon said it will be changed to partially settled after settling. I have also sent a 3rd letter following up their lack of response to my request, I have attached the 2nd letter. The account was opened on 2009, so roughly I was a customer 4 years.

Hi. Thanks for your reply. I have not been able to pay them yet because they never came back with any response from my letter. They kept ringing tho, but I specifically asked to be contacted in writing only.

Hello everyone. I have a situation that I would really like to asked for your advice please. I had gone to arrears with Next directory by 90 days after being a loyal customer for 5 years. This is mainly due to a drop of income because of an illness. They initially passed on the debt of £814 to Brecon Debt Recovery on which they have accepted a 50% F&F settlement. I have promised to pay provided that everything is put into writing. Now since the 1st letter(& only) they have sent in writing was not comprehensive, the last letter that I sent to them was to confirm in writing about me from any liability to be pursued with the remaining debt & such. I sent it to 3 postal address (Their PO Box, the registered office & also to Next) in case they would claim that they never received it. I stated that, payment will be made once I have receive their response. I never got a response after that but it has been delivered (sent it by recorded delivery). It was sent on the 14th. Last friday (25th), I have received another letter, this time from Moorcroft. The letter they have sent is the common letter being sent by DCA's, with boldly written "intended litigation" saying they have been instructed by Next to recover the debt. Where do I go from here? Should I write Brecon or Next why passed the debt to another DCA when they have accepted the offer already? Are they allowed to do this? It is clear that I have no intention to run away from the debt since I promised to pay, but all I was asking is a written evidence just in case they pursue me again in the future. Or should I start all over again with Moorcroft? I don't have a signed CCA with Next because I was made a customer from ordering online. Thank you for any advice!!!

Hi all. Hoping for your kind advice for i am new on this. So here it goes... Today we have obtained a statutory credit report from equifax. We were surprised to see that my husband's has got 2 CCJ on them. The first one is with CL finance for an asda mastercard on which we have knowledge of and has been settled and satisfied December 2009. We didnt know what to do with those Court claim forms at that time so we just opted to acknowledge the debt. Now for the second one... I rang the court and gave them the claim number and we were surprise to know that again it was from CL finance again, this time for an asda storecard. Apparently, CL finance has been sending default notices to our old address until such time they have sent court claims on which we didnt received any of it. I told the court if they can forward these documents to my current address and they will do so. I called CL finance afterwards and i was asked to pay the balance over the phone or they will have somebody to come to my house. Do they have the right to do this when i believe that they were at fault for sending notices to an old address when clearly, they should have our current address because of that 1st CCJ that we have settled with them already? What should we do when a judgement has already been passed when clearly, there is a case of mis-communication in here. I would be grateful for any advices please. I would really like to help my husband but i dont know where to start. He cant afford to have 2 CCJ, its pretty upsetting and stressful. Thanks everyone and more power to this site!

Hello all. I would be hoping for some advice regarding this issue. Thanks in advance! We obtained a credit report from equifax and went to see the court history where we expect to have 1 CCJ settled- for CL finance. Surprisingly, there were 2. The first one, which was for an asda mastercard was settled last year, through direct debit to CL FINANCE/THE LEWIS GROUP. The 2nd one, for an ASDA storecard (i have no idea at first till i rang CL finance) is in default. Since in the report, it shows the court claim number, I rang the court and found out that it is again from CL finance. I ask the court if they can send the forms to our recent address and they said they will do. I rang CL finance, and they said it was for an asda storecard. I dont understand why they have sent the claim to an old old address when clearly, they got our recent one ( as i assume they do because of the 1st CCJ that we have settled with them last year. They have been sending statements to us so they should have records of our recent address.) The person on the other line said that i need to pay them the outstanding balance by phone or they will have somebody to come to my house. Can they do this even if there is already a ccj court claim? I was hoping to receive the forms first and make the necessary steps of disputing this claim. I believe i wasnt at fault when they have sent correspondences to an old old address, when clearly, they have our new one. Secondly, we have long requested the balances on these 2 cards consolidated into one, and so we thought that we have already settled for both when we settled that CCJ for the ASDA mastercard. I am so angry now, with them having a bad reputation on these types of debt claims, i am thinking of counterclaiming! I feel that we were treated unfairly by this lenders. I dont recall having a CCA with them and is thinking to have a SAR request on both cards and claim back on charges that i believe i was mis-charged for. Do i have the fight against this one? What should be the best thing for me to do when someone arrives at my doorstep and saying they are from CL finance? Thank you very much for all of your advices. more power to this site!