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muzzsjm

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  1. Does this form run the risk of restarting the clock on the default/debt? I cannot afford to wait 6 more years for it to clear.
  2. I assume they've looked at my credit file to find me as they are writing to me and trying to ring me but I've blocked their number. Letters they are sending are just settlement letters nothing else. They haven't sent any threatening letters for years and years and as I said I've moved two or three times. Come to think of it I don't think I've ever acknowledge it or spoken to them EVER I know they bought the debt from Halifax.
  3. I will just ignore it then and wait for June to pass as it's at the 6 year mark then and I'm told it will drop off my profile when I spoke to Noddle.
  4. Many many years ago 2010/2011 was that last time I made any payment the last time I heard from the credit card company was then. Lowell sent me a few letters in 2013/2014 but heard nothing or spoken to anyone since 2010/2011. I just ignored Lowell and have moved 2 or 3 times since 2010.
  5. I have an old credit card debt from when I was younger and stupid with money due to fall off my credit file June this year. Lowell have started writting to me again, it's been a good 2 years since I heard from them. I suspect they know it's going to fall off my file and have come up with an offer to settle for 90% discount. Is it better for me to wait until June or would I benefit from settling the debt at 90% discount? after all its only going to cost me £300 which is pretty much nothing compared to my income now. Lesson learned I guess! my question is which does me the best favour credit rating wise, it's frustrating I have good income now but because of things I did when I was in my early 20s I have issues borrowing for cars and a mortgage.
  6. Having sought legal advice seems this was a private bailiffs firm. Paperwork seems a bit dodgy/copy of genuine one. Apparently bailiff was NOT allowed to perform a search on myself.
  7. Well a solictor has advised if we can prove they are rented/leased the bailiffs won't be able to take them. Technically they don't belong to both my family and the company as it was family money put into the business to buy them. The bailiff gave us a piece of paperwork which listed the items as MODEMS not COMPUTERS.
  8. Bailiff came to my business yesterday to settle a debt of £4000 for unpaid rent to my private land lord. We are a limited company and been trading around 2 years. We have no prior warning no letters or documents to say he was coming. We are a small internet gaming centre/internet cafe its been hard but we really don't want to close as we are starting to make some money and cover our costs, its my first business and I've learnt alot but I don't want my dream to end. We are unable to settle this debt currently. The debt could be cleared in the future due to a house sale but not for weeks/months. The landlord is unlikely to discusss payment options or plans, we've been paying small amounts for 3 months. The bailiff visted with a camera and was in our premises around 2 hours. We tried to raise the funds there and then but friends couldnt help and our business banking person was away for the day. We have been given 5 days grace until next Tuesday to pay but as it currently stands we won't make the payment bar a loan or miracle. Is there anything we can do? Sell the company goods to a friend, any sort of loop holes? they want to take everything which at auction will fetch peanuts and we will obviously be unable to trade.
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