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About unicorn77

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  1. I've dealt with both Bluestone and Cabot. To be honest I think you're complicating things. Cabot took me to court and I figured they wouldn't have paperwork so requested it. They never got it to me in time so I entered defence saying if they can provide the correct paperwork i'll pay the debt. They asked for an extension to provide the documents which I defended and won so they pulled out You mention 4/4/10 was when they took the car back? which means you already never paid. Unless you made payment since or acknowledged the debt this would be statute barred? Since
  2. After sending in the N443 to prompt some action today I got a letter back from the court. After reading numerous threads on people stuck in a similar situation I think we finally have some kind of resolution for people stuck in a similar situation, and that seems to be if the new creditor is dumb enough to not update the courts, then the new creditor can pay the debt for you:lol:
  3. hmm, exactly the situation I was trying to avoid, but I should have an answer either way within 30 days so will report back with an answer:|
  4. I've not rang them, everything I do is communicated through letters, it was actually the solicitors I corresponded with as the debt was given to them straight away to deal with. I've no idea why they haven't had the name changed. I can only assume they need to deal with paper work from Bluestones side which they can't be bothered with. N443 is indeed a request for a certificate of satisfaction, the court will contact the creditor. To be honest based on the limbo situation and the selling a reselling of ccj debts i've read about that seem to lead nowhere something
  5. Exactly my thoughts. I'd rather not pay money to a company and have an outstanding CCJ for the original debt when i'm done paying. I've contacted Bluestone about this and never got a reply so probably against advice I sent an N443 to the court to investigate. Unless someones stupid enough to lose out on a 4 figure sum i'd be expecting it to be updated to Cabot so I can actually send in the variation order Just to clarify I also told Cabot about my views on the debt, they replied saying they bought the debt therefore I owe them the money
  6. Yep, I can only assume they don't know their client hasn't updated the court or they have no way of following procedure to update the court? The variation order is still sat here with the cheque in it to send
  7. I went to apply for a variation directly at the court, problem being it's still in Bluestones name so it would go to them
  8. Small update...for the ones that forgot/never saw. Bluestone credit management got a CCJ in 2015, Cabot bought the debt they've threatened me with the CCJ even though the owner is still Bluestone. This arrrived, the CCJ is still in Bluestones name
  9. So I know some of you were keen to see how much Cabot put into this £600 debt, and thanks to their persistence the answer arrived this morning. I made a condensed statement but including the fee they had to take off for losing the case they put £400 into it:lol:
  10. OK Thank you. I'll wait until they change the name before sending the N245 off. Would I get any notice of the change of name?
  11. Yes Cabot and their solicitor know there's a charging order, but all the court paperwork will go back to Bluestone who I assume would want nothing more to do with the debt and would consider it closed.Would it hurt putting a discharge of registered charge in to Blustone since It's free and I've already paid for the land registry info? The CCJ was given March 2014, the account goes back to December 2009
  12. No:lol: OK, after looking through this I might have found another way through. Obviously you guys are the professionals and i'm the one that's picked things up as i've needed to find out. looking at all the info I have The CO isn't in Cabot's name, it's in Bluestones Checking my Credit report Cabot don't even have this account on them, it's Bluestone and is showing as £0 balance with a monthly payment made from 2009. Could I put in to have the CO discharged? then make Cabot do the whole prove it thing? How would I do this? or could it even be d
  13. On the N245 it states 'a reduction in the instalment order' I assume I would be marking this box since there has been no warrant requested? When the paperwork came through from memory i'm certain it only stated that I was liable for the debt with no instalment stated, it was a fair few years ago so maybe it was forthwith. Also if I enclosed an initial payment would i write a cheque to the creditor or court? Sorry to be 'that guy' but I just made an interesting discovery. I thought i'd check the land registry to make sure everything added up before sending the N245,
  14. OK, thanks for the help guys, i'll look at filling it in when I get home from work. Would I be checking the Reduction in installment? and guessing i'd have to put a reasonable offer forward unless I could literally only afford £1 a week? The irony is from what they say, they bought the debt for the amount that owes on it, i'm sure they we're banking on me being awkward so they could load it with their fees:sad:
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