Hey all

So I moved into a property on 29 July 2015

I payed £675 deposit and £675 one months rent advance

We’ve just been excepted for social housing so have now given notice on this private property.

As it’s 4 weeks notice from today this gives me until the 11/03/19

The question is about what is left to pay, am I right in thinking as it’s payed in advance that the £675 I payed on 31st January covers February’s rent until the 28th

So I only have to pay the 11 days of March rent as I’ve already payed February’s

Or

Do I still have to pay February’s rent plus the 11 days of March

How accurate are credit reports

Clearscore have the CCJ down

Noodle Don’t

original creditor as I said in post 69

Have to excuse me. I’ve got manthrax lol

DX, SAR to very or Capquest?

Thanks for chiming in Ford, my total debts both current and historical come to 77k and considering i've not worked due to illness for a year, bankruptcy makes sense.

i just need to find the funds to do it ironically enough

I’ve seen people take credit out and inc it their bankruptcy before

It is interesting as I’d thought one would they’ve obtained the CCJ they wouldn’t except anything less as they’ve got the legal power behind them.

VERY which is shop direct do add stupid fees and charges so I wouldn’t be surpsied if that’s got something to do with the offer they’ve sent so they’re trying to get something rather than nothing as I’d imagine a judge wouldn’t look to kindly at silly charges being obtained

I’ve not got any access to anything so may well do that, however wouldn’t this give them where I am now which may cause issues

I’m keeping the letter as evidence if they try playing silly buggers ref the amount so I can argue that they’re willing a 50% discount on the balance

Found account numbers. Perfect match.

I’m confused. CCJ for full amount, then 7 mnths later a letter offering a 50% discount

100%

Claimant is the same name and so is the amount which matches the ccj

A letter was handed to me today from someone whom now lives in my old address from years ago.

Dated Nov 2017.

It’s from Restons Solicitors saying if I pay half,

theyll close the account

and mark it as partially settled on my credit file and that would be the end of it

No mention of CCJ on it (issued may 2017)

it’s like they don’t know it was issued as they’ve offered a discount to close the account

Obviously that time for the offer has passed,

but I wonder if I make contact and say would they still honour that offer and set up a payment plan to clear it

Well done. You were right. I just rang and they confirmed what u said

So I’ve got no hope then

Wouldn’t surprise me lol, don’t get that lucky often.

I’ll shall make enquires tomorrow about it but I would have seen it as an asset so would have been distributed equally amoungst creditors

letter states NOSIA was dated 29/03/10 and should have received it 11/04/2010 but never received anything. That’s what the refund is for which is like PPI I’d imagine

I can’t see how they can take it off a balance which was the technically made void and therefor no longer exists

The OR would keep any rebates etc.

I would go read the PPI / Bankruptcy info available all over the interwebs....

If that’s the case then I will ring the OR as Lloyd’s has kept the money for themselves when it should have gone to the OR but I’m also discharged as of last year so be interesting to see what happens

a letter landed at my mums over the weekend

It states it’s a notice of sums in arrears when it was transferred and that they got it wrong.

I’m owed over £800.

However it also states I owed them £4330 so they’ve taken that off the balance will receive nothing

This was from 2010

However, the £4330 was included into my bankruptcy when I went bankrupt in 2011

therefore I was legally discharged from owing them anything

Where do I stand on this ?

This covers the period 12/04/210 to 16/01/2018 is also stated

nope prove it.

no consumer credit agreement on phones

I really need to refresh myself with all these now. Looking back over old posts

Of mine I gave tons of advice of which I can’t remember any of it ie CCA,SAR etc

Have a link for a prove it letter?

Also made a little donation

Been a while since I’ve done this. CCA letter?

Yeah she has moved from memory.

Ok I’ll get them to ignore it for now until something else progresses

lesrn something new everyday

That’s interesting as I was always under the impression it was when it was acknowledged by me.

Ie last payment made it last contact.

After six years it can’t be enforced as by saying what u are a debt could be 5 years and 11 mnths old, get a CCJ and it resets it for another 6 years

H, can you provide more details?

- mobile provider?

- post up the letter (with personal info masked)

As above. It’s from three mobile

I’ll get a copy up when I get home

Your choice......they have 6 years to execute the judgment...but you state they dont know where you are ...they will once/if you submit the N245

True but then the last payment was 2014, so been three years. So if nothing in the next three years it’s statue barred is it not?

So if they are not chasing then dont bother with the N245.

So you think it’s best to kinda ignore it until I hear anything from them

Acting on behalf of a friend for this

I believe this is second or third “pre legal” letter she’s received ref this

It’s an old mobile phone debt to three mobile for the sum of £542. It’s at least a few years old now

She suffers hugely with mental health issues and cannot manage any sort of budgeting, this is done by her partner whom I’m friends with. He’s finally come clean about this letter and is panicking now due to the word legal being in the letter

It states they are deciding to transfer it to solicitors to recover it

Then goes on to say if legal action is taken and then lists the process

Anything I can do to help under the mental health act to get this gone?

Right this is getting confusing but I’ve made some progress

Have N245 filled out and ready to send Monday

Now remember this CCJ is from Capquest of whom still think I live at an old address

This other correspondence I’ve received from Cabot isn’t anything to do with me

Another letter arrived but details were wrong, surname is almost identical to mine and the figure is £200 out

Curious I rang, the text I received was also sent in error as there system has a number which is 2 digits different to mine.

So with my name being wrong, phone number wrong and plus other details like DOB and are way way out they concluded it’s not me.

So the Cabot issue is over and done with.

This leaves the CCJ with Capquest, now as I said they bought the debt 2014, issued CCJ 2017

I’ve never heard anything in that time so I’m presuming they have my old address which is obviously why I’ve never heard anything so must also means they cannot find me

As daft as this sounds, from 2014-2017 they didn’t hear from me.

Sent court papers in 2017 and didn’t hear from me.

Issued CCJ and still not heard from me and now it’s 2018.

Almost 10 mnths since the CCJ was issued and the court said they’ve not heard anything from that date either from Capquest ie bailiffs etc etc

What’s the chances of them actually chasing this up now as they don’t seem to concerned even after getting a CCJ against me.