Hi, I worked for a company called DSG Stores Limited and I left on pay day 3 months into the job. This was back in 2007 but they demanded 811 back from me which I said no as I thought I was entitled to my wages, I worked there 3 months so I should get my 3 months. Not to mention this was a few months after I had initially spent the money that I was payed. They lodged a ccj against me for this amount now Im not sure if its for wages or commission what and how should I proceed. Ive read on other forums of doctrine of equitable estoppel. But im not sure how to proceed?

The thing I want to find out is why the debt from barclays went to a ccj and I have a sequestration now aswell but HFO Services has now picked up the debt and is trying to get money from me all over again? The letter of assignment I got from them the other day ago sounds like there going to give me another ccj?

Theres nothing in it, it was discharged which I dont know what that means after a year. It just says in the court proceedings me my old gf's address and my council are looking for sequestration?

New WinRAR ZIP archive (4).zipahh nice you will be able to see my credit report now. I found out that my sequestration is from my court near me by my council for an address my old gf lived at, I use to get my mail delivered there coz of nosy parents. But somehow west lothian took it upon themselfs to charge me with her lack of council tax payments now im just waiting to find out about the ccj which was in 2007.

Hi Rebel, thanks for the welcome and moving to the correct thread

Hello everyone I have a few uploaded images for you to view and I was hoping I could get some help with them. A few years ago I took out 2 credit cards and had a normal account with an overdraft. I left my job and things were abit hard so I had to make a choice on which card I was going to pay off. I payed my overdraft off but they took the account from me and it also says partial settlement because when I payed it off I didnt notice that I still had an incoming charge for being overdrawn. But the woman on the phone said the account was cancelled I then found out 3 months later that I had 3 months of charges on this account which was still open. I phoned up and they sorted it but it comes up on my credit rating as PS - Partial Settlement. But it was a full settlement they just made a mistake. Then I payed my "current account" credit card off as I wanted to stay good with my own bank so upon paying off the overdraft I then continued to pay off the credit card with this bank. Which is the one with the default of 6 months but it was fully payed in the end. The one I didnt pay was the barclays cc. I was hounded back then for a while by some creditor who it had been sold onto. I then notice that I have a court judgement which I had no clue was put against me by the court for £811 and now in 2011 after checking my report I have an insolvency record from 2009 again at my old address which I had no clue about. The reason I am on a crusade atm is because some how after I applied for a current account again with my old bank (which was accepted for some strange reason) a few weeks later out of the blue HFO Services tracked me down and sent me a notice of assignment for £3310 for my old barclays card. I sent a notice by recorded delivery for a CCA with £1 included. How can I proceed I dont even know where to begin, the first thing I want to do is get the creditors off my back and then dispute these court proceedings. I have emailed the courts with the case number asking for details. Below is my credit report. img607 imageshack us img607/5329/overall jpg img191 imageshack.us/img191/2425/insolvency jpg img11 imageshack.us/img11/1133/courtjudgement jpg img220 imageshack.us/img220/439/Barclaycard jpg you have to put a dot where I have made a space to see the image as I am a new user but not a spammer silly system of things. I finish my honours next year and when I got my new current account with my bank I thought finaly everything was getting back to order only to be surprised I got a letter from HFO. Please can anyone help sort this mess out. Thanks in advance all