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  1. Hi, I have CJJ from July 2017 from Crapquest/Drydens for approx £850 which i recently looked into and found out it was for an mail order account from 2013..... it was issued at an address that I had moved out of in December 2016 and thinking back, I dont ever recall receiving an correspondence from either of the above for years prior to this. My question is, would it be worth going down the route of applying to set aside and, would anyone have any suggestions of the wording for reasons on the N244 form or would I be as well just trying to contact Drydens and agreeing a F&F settlement and just trying to get is satisfied that way. Thank you in advance of any assistance
  2. Thanks DX, I will try that, just to confirm, you did mean ‘do use email’? I don’t have the £433 right now but I’ll see how they respond first
  3. Thanks dx, I did dispute the insurance but that’s the highest they’d go after excess deducted! Unfortunately, they never offered gap insurance so I went without, so, how can I word it to them regarding the outstanding sum, is there any cca I can reference etc.?
  4. Hi All, I'm after some advise please, I took out a joint HP agreement last January with these, all payments up to date until I wrote off the vehicle in October, the insurance paid them a settlement figure and CLS advised them there was a £433 shortfall, as it was almost Christmas it slipped my mind, 11th Jan both my partner and I received a default notice for £1323, now this morning, received a termination letter stating 'subject to clause 9.2 of the agreement, you must now pay the full outstanding balance to us of £4379, can someone please advise where I stand with this? copies attached thanks
  5. yes old address is linked... so, in your opinion, is it safe to ignore?
  6. thanks dx, so she suspects that nothing was paid since 2011 but she may have arranged a payment plan in early 2013 but didnt pay anything, so will look through statements to check for payments, I am presuming they would have to send a default etc before further action?
  7. thanks dx, I have just been talking with my partner and it could be slightly less than 6 years, sorry to be frustrating but, would you send a prove it letter to UU?
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