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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Tops36

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  1. Tops36
    Thankyou for the court link,the named court does deal in bankruptcy.So I must wait for them to answer the CCA then see where I'm at?
  2. Tops36
    Does the fact it wasn't served personally but left half sticking out of a letterbox make any difference? Ok trying to calm....so I need to send a CCA to Hamptons?If they come up with one I'm assuming I'm stuffed.Going to have a look at that link now,thankyou.
  3. Tops36
    Thankyou so much you are all so very kind on here. The court is the nearest yes.They state at the bottom of the demand they will still accept a realistic repayment offer.Should we just go down that route? The MAIN thing I need to know is if we did go to court and lose,does the house get taken?
  4. Tops36
    Yes mortgaged and has over 100k equity plus a 15k loan secured on it which is fully up to date.
  5. Tops36
    Thankyou for the replies.The guy turned up at 6.45am,didn't knock and posted the stat demand through the door.I'm now literally worrying myself sick.We have no records of CCA requests,they were to a different company who bought the debt previously.It is now a total of 7k they are asking for.I unfortunately have post natal depression and a new baby at home and cannot think straight since getting the letter,this has made it so much worse so I'd really appreciate any help here now please. Basically we have no proof of requesting CCA from previous debt collectors,have not contacted this company.We own our home and are fully up to date on payments all round.So if they are successful in their petition do we lose the house?? Thankyou
  6. Tops36
    Thankyou for replying.how do you get a debt set aside? If they can prove you owe a debt?
  7. Tops36
    Btw the last contact was from lowells over 18 months ago.They said they couldn't supply the CCA and we have heard nothing else,until today.
  8. Tops36
    Thankyou so much all.After talking tonight hubby says it is a CC debt,pushing 5k.We fell into dispute after we hit problems,they refused to freeze the interest or accept the payments we could afford.So we stopped paying.Naughty I know The other possible debt is £600 and being paid £50 a month so can't be that as we entered into a repayment agreement as soon as moorcroft proved they owned the debt. This CC debt has gone through company after company,each time we've requested the CCA but it hasn't been supplied and it's ended up with this threat of SD being served in two days. It isn't SB,it's pushing 5 years. The reason I posted is I was hoping there was a way of stopping it being served. The bankruptcy threat is so scary.We are up to date on our mortgage/council tax/loan/utilities.What happens if they do take us to court?If we are declared bankrupt will we lose the house? So when this guy turns up on thursday at 7am do I answer the door??I am so sorry to ask so many questions.I'll be at home on my own with 4 small kids and am very nervous
  9. Tops36
    No replies..Ok,nevermind,I'll sit and search for old threads on here tonight see what I can gather.Thanks all for reading. x
  10. Tops36
    Btw it's from the Lewis group.Not heard of them before.
  11. Tops36
    My husband walked out of the house at 6.45 this morning to be confronted by a man who'd been parked outside for ages.He asked hubby to confirm his identity,which he refused to do,and went off to work.The guy then posted us a notice that he intends to return at 7am on 21st to serve us a statuatory demand for bankruptcy and to call on a mobile number if we want to change this appointment time. I don't know what the debt is,we have 2 outstanding from a few years back when we were in trouble finiancially.We have no clue what to do and we are panicking at the thought of losing our house.Any advice would be very much appreciated.

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