Thanks for that

I recieved a letter today off macenzie hall telling me they wanted to contact me regarding some issues and to ring them straight away. After doing a bit of reasearch i discovered they are debt collection agency specialising in old debts. If have had a look at my experian credit report and there is nothing showing outstanding so i cant understand it. In the dim and dismall past i did gt a ccj but that was satisfied many years ago and there is no trace of it on my report. Do different credit score companies have different info on you? Would equifax have something that experian didnt?

I had same problem so i applied for capital one card,had really poor credit score as well,they give you £200 limit so cant do much damage to it. Also by using it every month and paying it off in full it somehow improved my creditscore.

Submitted N1 to local court today ,anyone know what current court date waiting time is roughly?

Submitted n1 at local court today.....anyone know what the current court date waiting time is about? SORRY POSTED IN WRONG TOPIC

Thanks

That sounds a bit high....my charges goin back to 2001 are £1200,interest is £300....daily rate works out at 26p day I might be wrong im goin back to check them

Good idea Thanks:)

I would then have to pay 2 x court costs

Filing my N1 form tomorrow with the local court,i am after a bit of advice. My total claim is for £1205.50 plus interest of £319...totalling £1524.73 I understand that the court fee is £120 and that there is a cost for the AQ of £100 if the amount claimed is over £1500. Heres my dim question....is the £1500 threshold for AQ fees including the £120 court fee that i will be claiming back or is the threshold purely for the monies owed' If i lose a thirty pound charge off my schedule then my total charges will be less than the £1500 and so i will not have to pay the extra £100 as cash is a bit tight at the moment. Hope this makes sense

anyone please ?????

From what ive read on here.....you are supposed to provide both abbey and the courts with full schedule of charges when court give you a case no Dont forget to give the phone no so they can contact you with an offer at 11th hour

just filing with mcol....straight forward but for one question that is it asks... Do you want to reserve the right to claim interest? take it i tick yes to this...is this correct..lynn Yes No

thanks louis...getting bit exciting now

Im just a few days off end of 14 day deadline for full refund of my charges,i am just preparing to file a claim on moneyclaim. I just want to make sure about something before i go ahead.I recieved a goodwill payment of £380 against a claim of over £1500 and i sent them a letter accepting partial payment against full refund. When i prepare my claim i obviously deduct this partial payment from the full amount but which charges do i remove off my spreadsheet?? I was thinking of using the partial refund to remove my most recent charges....would this be correct?? thanks lynn