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Everything posted by Markie1973

  1. Hello everybody, Back in 2014 I took out a loan with Quickquid for £150 which was defaulted in June 2015, after this debt was passed around various DCA's (despite Quickquid denying otherwise) all went quiet and I never heard anything else a month or so ago I started to receive e-mails out of the blue from their collections department advising me that my account was 60 days overdue (it's way more then 60 days) and that a Default Notice will be sent to my address (they already did this back in June 2015). today I received a e-mail from Credit Karma t
  2. Another update, after firing off a e-mail outlining the issues I had with Brighthouse to Moriarty Law I received a letter from them today advising me: 'We write with the reference to the above detailed account (JC International). Please be advised we are no longer instructed in connection with this matter and the account has been returned to our client (presumably JC or BPO Collections?). Please contact our client directly if you have any queries.' Now will it be safe to say that this may be the end of the matter or standby for JC's next move?.
  3. After hearing absolutely nothing from Brighthouse, I received a letter from BPO Collections on the 15th August advising me that they had been appointed by Jefferson Capital to collect the outstanding balance of £886, I e-mailed them back the following: ' To which they replied: ' all is quiet and there has been no further contact from BPO Collections, today when I received, out of the blue a PAP/LOC from Moriarty Law asking me to fill out the enclosed forms and informing me that the debt will rise to over £1
  4. Hello Folks, Well I hope you can advise me as today I received a letter from Mortimer Clarke Solicitors regarding a very old Black Horse loan from approx 2000 to 2001 (infact this loan was originally taken out through Chartered Trust) for the amount of £1886.59 and that this debt was previously assigned to MEIII (was actually Direct Legal and Collections), now no payment has been made on this loan for well over 10 years and has already been through various DCA's prior to DLC going through the courts (a CCJ was granted back in 2006). Over 2 - 3 years ago I remember recei
  5. No, I have lived at my address for nearly 30 years and have been receiving begging/discount letters from them so they have my correct address, interestingly the account has been removed from my Equifax credit report over the past couple of days. Though I did take a screenshot which I have attached,shows the account marked as settled and no default date,interestingly since I took the screenshot a couple of days agoo this account has vanished from Equifax. This screenshot shows the discount and after checking my on-line account with BW they have wrote off half of the debt without infor
  6. I have checked my credit report and there is no court information registered, as for the entry it is showing as assigned to PRAC/BW Legal but showing as settled, loan taken out iin 2012 but to my knowledge I was not defaulted by PDUK.
  7. Yes it's through their online portal, what is the best course of action with this letter?, as I have not received a letter before action or a claim form, they also have my correct address as I have received letters asking for payments/discounts in the past.
  8. First of all I have just looked on my on-line account and set up a repayment plan(which maybe a mistake on my part) and received a auto generated letter confirming the plan, however I have noticed that there is a paragraph which states 'We note that you admit the amount claimed and as discussed we have contacted the court and informed them of this and requested that they enter Judgment on admission based on the amount you are able to afford to repay.' However, I have not received a Pre Action Protocol letter before action and neither have I received a Claim Form in the post from the court
  9. I used to have a Administration Order but that was paid up and satisfied and no longer shows on my credit reports, in fact I had forgotten about that post from 2012.
  10. Hello Bazooka, the last correspondence I have from BT was from April 2016 asking me for payment, they never acknowledged the dispute on both accounts, though I have e-mails etc confirming my contact with them.
  11. Thanks Andy, do you think it will be worth sending them an e-mail requesting the name and address of the official receiver that they intend to contact and where they got the information that apparently I am insolvent/Bankrupt etc...etc as I have not received any official paperwork of any kind from any Insolvency Practioner or Official Receiver and I would love to see this.
  12. Hello Andy, yes I have two BT Mobile debts and both are disputed with BT
  13. Hello again, I have just received two letters out of the blue from Lowell informing me that two debts from BT Mobile which had been sold to them, both dates of the sale being 22/02/2018 and the letters dated 13th March. I am worried regarding a paragraph of both letters which states 'We are aware that this account forms part of your insolvency(?). This letter is not a request for payment. Please pass this letter and attached Notice to your Insolvency Practioner/Official Receiver. Lowell Financial will also contact your Insolvency Practioner/Official Receiver to inform them of the cha
  14. Here is a copy of their e-mail minus all of the twaddle. 'OUR REFERENCE: Mxxxxx ORIGINAL CREDITOR: CURRENT OUTSTANDING BALANCE: £xxx Dear xxxx We would like to speak to you regarding the payment arrangement set up on your account(s). The last instalment(s) due on the xx/xx/2018 of xx.xx have not been received. If your circumstances have changed or you are unable to make this payment(s), please contact us on 0113 887 8587, or e-mail us at [email protected] Our dedicated team are able to revise your payment arrangement if necessary based on your current sit
  15. Just a quick heads up, I have received a e-mail threat-o-gram which has been placed in my File 13 (the bin!), however I noticed at the bottom of the e-mail that MMF is changing their name to Lantern as of the 8th March....... Apologies if this has been posted but I thought that you all should know!.
  16. Hello again DX, well we are talking about the HMRC and the DWP here..........both as bad as each other!!!!
  17. Just a quick question I recently received a refund from the HMRC for a overpayment of Tax, the amount was for £207 and covered the period between 06/04/16 to 05/04/17, does anybody on the forum know if this is taken into account by the DWP when it comes to payment of Universal Credit?. I have had a look on the internet but I can't find any clear information on this, so I hope you can help?. Many Thanks in advance.
  18. I have been 'through the mill' with this lot as well, made the complaints which involved the CEO but was passed to pillar to post and ended up with a resolution which suited them. You was lucky to receive a notice of sums from Brighthouse, I never received the notice of sums or a default notice from them and it was only by accident when I checked my credit report that Brighthouse has registered a default notice,needless to say that I have now informed the FOS and the ICO of their games as I have a trail of the e-mails that I have sent them - also I sent Brighthouse further e-mails regardi
  19. The device has long since been returned to the store and despite the sales person telling me that I will receive confirmation that my account will be closed with nothing further to pay or owe, I have not heard a peep from Brighthouse regarding this and as per e-mails have been ignored. Should I still be on my guard for further action by them?.
  20. I have sent a e-mail to the ICO informing them that I never received a Default Notice and neither did I receive a Notice of Default Sums, my e-mails to Brighthouse have as per been ignored one of which was a formal complaint regarding the Default.
  21. Just to update you all, about a month ago I checked my experian and clearscore credit reports and noticed that Brighthouse had recorded a default against my account even though I handed back the device to the store and was told that I would receive confirmation that there would be nothing further to pay and my account would be closed - needless to say I never received any further communication from them and as per my e-mails went unanswered. Back to the default, I never received a default notice or notice of default sums from Brighthouse and I submitted a complaint to the F
  22. So it's safe to ignore and consign their letter to file 13 (the bin) then? I have contacted the FCA via their live chat and they advised me to contact the Solicitors Regulatory Authority but they will log the details, I have e-mailed a complaint to the SRA along with a copy of the letter from Mortimer Clarke.
  23. Here is the copy of the letter I received from Mortimer Clarke today minus any personal information: As this debt was subject to a CCJ all those years ago and never enforced could Mortimer's try their luck on obtaining another CCJ for the same debt? LetterMCS.pdf
  24. Sorry DX, I forgotten that I had already started a thread on this last year, my apologies.
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