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dn10zeus last won the day on March 9 2018

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About dn10zeus

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  1. The only way I can guess that I Go 4 got my details was through a car insurance search website. At the time of thisCCJ I insured with the RAC, THEN THE sAGA. aT NO POINT DID i TAKE OUT INSURANCE WITH ig4 . They certainly never wrote to me saying I owed them money. The debt is for £235., so if I did owe, I would have paid it, but I knew nothing about it and to this day have never heard from J C International or IG4.
  2. I have a court date coming up soon to have a CCJ set aside. The debt is for a small amount that I know nothing about. It was filed by I Go 4 a car insurance company who I have never had dealings with. This CCJ is now listed as being filed by J C International. What I would like to know is do I keep chasing I Go 4 as they filed it? There has never been any contact from IG4 at all. No warning letters, nothing but a nasty surprise on my credit file. It is the same with JCU, no contact at all. I have moved address since IG4 filed
  3. I have held a basic bank account with this shower for 12 months. In that time I never went overdrawn or bounced any payments. The account was always in credit. About 3 months ago I noticed that my debit card was blocked as I couldn't use it online. After 12 phone calls where they lied to me it is still blocked, I am blind and disabled so rely on a working debit card to buy food. I have been unable to do this. Today they wrote giving me 2 months notice of closing my account What I don't understand is why. Why they blocked the card in the first place, They cited ant
  4. I would write to Moorcroft and say this debt is in dispute with Argos and they should not be trying to collect on it. This contravenes various debt collection rules. The next letter is to Argos disputing all these late fees and charges. Then tell them you have paid for than enough and are not paying more. See what they do.
  5. You can pick up washing machines for free on Freegle. Join your local group and make a request. You will be pleasantly surprised at what you might be offered. Another good source is Ebay. Look for a Miele washing machine. They are the best and many people will sell one cheap as they move house and the new place has one built in. These machines can cost over £1000 and you can pick one up for as little as £50. Brigthouse are a rip off for the poor and gullible. Their interest, insurance, late fees, missed payment fees means will take all your money. Washer/dryers are notoriously unr
  6. I rung the Northampton bulk clearing centre and was put off by being number 25 i the queue! The next day was better and I was 17. They soon get through the list so persevere anybody if you have to ring these clowns. The company that sued me was I Go 4 car insurance. I vaguely remember using them. The insurance was'nt re-newed as I changed the car and got a better deal. It was out of contract by then. So far I have written to them asking a Subject Access Request on all information they hold on me to get to the bottom of this. I have sent off the N244 form aski
  7. I received a parking charge notice from Athena APNR. They do the Lidl car parks. They have gone after the registered keeper of the vehicle claiming I am responsible as I am the keeper. At the time of the offence I wasn't the driver. The car is owned by me as I am disabled and it used for hospital trips etc. As I understand it the keeper is only liable under certain circumstances, the owner is under no obligation to tell these people anything. I'm sick and tired of bullies like these parking companies claiming you have infringed some petty rule and now must pay an
  8. I too had dealings with Cabot regarding an old credit card debt. With the help of this site and various others I managed to fight them off. It seems that they specialize in buying up old debts that have done the rounds and nobody has got anything from. They then come on heavy with court dates and summonses. What they don't have ar the original documents like the original contract, terms and conditions that were valid at the time of the CC being taken out. All they have are some bad photocopies that they have hashed together in the office hoping that these will frighte
  9. Thank you for your replies so far. I found out I had a CCJ by renewing my membership to Check My File. Unfortunately it doesn't show who the claimant is. Like you I suspect that it Lowell. If it is the debt I am thinking of with them it must be statute barred by now or very nearly on the cusp. This will be a last ditch attempt by Lowell to try and screw some money from me for a debt that isn't mine. Unfortunately I have a very unusual name so it makes it easier for them to trace me. Like I said I don't borrow money and I haven't done for years which probably ma
  10. Today I checked my credit file for the sheer hell of it. Personally I'm not bothered what it says as I don't borrow money. Made those mistakes years ago and now my file is at zero. However what I did find was a CCJ for £280 issued last October. Whoever the claimant was didn't write to me at my current address despite being on the electoral register and not at my previous one. They sneakily wrote to the old address so as to win by default. I have a very good idea who this, but it doesn't show on my credit file, just a claim number. I am guessing
  11. All your credit score means is that you are reliable in borrowing money and paying it back over a long period of time....plus substantial interest. If you are not wanting a mortgage, then there is really no need to borrow money... at all. Over the years, I have learned that my credit score has never risen much beyond poor. I have borrowed money from credit unions which I have paid back without fail. I finally managed to open a basic bank account with the Nationwide which provides me with a Visa debit card. If I were you, I would stop worrying about your credit score becaus
  12. Thank you Ford for your reply. I was very upfront with Barclays bank and told them everything. The manager assured me that I would be given a basic bank account, if nothing else. They send me account log in details, and account and sort code twice and then rescinded it. Not nice. I have asked them to compensate me for my time, broken appointments and breach of contract. Their first offer was £25 to go into the account for failing to turn up at a meeting. I've rejected this and asked for more. I'm a better credit risk than my file suggests, having had 3 loans fr
  13. Thank you to all those who took time to reply. I shall try Virgin to see if I can get any joy there. There are two current defaults on my file, both for the water bill, and both disputed. I am not bankrupt, have no CCJ's, but I am not on the electoral register as I have just moved house. My credit score is 540 according to Experian. It says poor, but I really don't care as I am not asking for credit in any shape or form, just a humble, little bank account with a debit card for the odd shop. Jeez, is that too much to ask for in the 21st century? Why are high street banks being so pick
  14. The first thing you must do, and do this within 28 days, is to notify Northampton County Court of your intention to defend this claim. Then pop along to the site where the alleged infringement took place, and photo any signs that show the time of operation of the bus lanes. You need to build a case against the council, so request photographic evidence of the driver of the car. You may only be the registered keeper, and not driving it that day. You are asking the council to prove their allegation at every step of the way. When you have gathered all this information together, you then
  15. No, the banks involved wouldn't say why they refused the account. What I suspect the reason is I was credit scored and didn't reach the required number to be offered an account. I don't want to keep applying because that damages your credit rating even further. This creates a catch 22 situation. What does disturb me about how modern banks work, is their total reliance on a computer instead of somebody having the intelligence to consider the full picture. Barclays refused to do this, so they can go etc etc. The Government forced basic bank accounts onto them because they were dis
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