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brightfuture

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  1. Hearing date set 6 March - hearing listed for 15 minutes. Still not heard a peep from HBOS on my SAR request. Should I prep supporting evidence to take to this hearing - Medical Reports from Doctor - SAR application. PPI Complaint etc? I appreciate all your help guys thank you
  2. Quick update just got back from local court office - I dont need to file N245 as i'm applying for it to be set aside. N245 basically is saying i owe the debt N244 Automatically includes a stay of execution on the warrant. I filed the N244 and now waiting court date. Thank you guys for all your time and assistance. I really appreciate it all. Thanks
  3. Hey Guys I just received notification from the courts 1st credit have applied for a Warrant of Control... Should I Send off my N244 to have this set aside and explain this to the Warrant of Control issuing court??? I'm still awaiting SAR info, I have not heard anything from HBOS since my application.. Any advice ??
  4. Thank you all for the fantastic immediate replies. SAR request on it way shall keep you all posted. Thanks again
  5. Hi CitizenB With regards to a prospect of winning. I am wanting to challenge the debt in its entirity with the hope of the judge looking favourably upon me and my circumstances. My records and memory are not fantastic simply due to the illness. The PPI application I made was via telephone to the Halifax from my Hospital bed in the first few months of my illness - I was still an employee at that point. From what I remember all details where taken and the claim was going to be assessed and reviewed internally as I was staff?? I don't remember hearing from them nor do I have any correspondence. I believed the matter had been settled. The purpose of the insurance was for basically this - you fall ill your payments are covered. I fell ill - I made a claim - why where they not covered and why was the debt sold?
  6. Thanks Andy. I'm trying to learn as much as I can I have been browsing the forums for weeks now and there is so much to learn. Thanks again
  7. Hi again So here you go again another copy and paste of my brief story .. Enjoy ..Oh and my 3rd alleged debt.. Please help So my story.... I used to work for HBOS plc (Halifax) as an IT specialist. In July 2007 During my time at HBOS I became severely ill with encephalitis (similar to meningitis) which left me disabled and stuttered and completely inaudible amongst other symptoms. As a result In 2008 I was let go by HBOS after 8 months of SSP - due to my long term sickness. Debt 3 - Halifax Packaged Account Defaulted in 2007/2008 - one of those pay £15 a month for perks you never use. Debt now owned by Lowells. I worked for Halifax they signed me up as staff and I didn't really get much information about the account other than internal IM comm's. Last Payment I made to this account must have been 2007/2008 as I was in a coma after that and there was no money going into that account. My overdraft was £1000 - so the extra £468 must be charges and unpaid monthly fees. Debt has been sold to Lowell who have just sent me an annual statement of account.. From what I have read on the Forum I believe this debt is now Statute Barred? My next steps... Not to acknowledge the debt? CCA request? Statute Barred Letter and removal from credit file? Advice and help and comments and sticks and stones and the kitchen sink... Let me have it Please Thank you Beautiful People
  8. Hi everyone Thank you all for doing such a fantastic job you people are awesome!!! So heres debtnumber 2 and brief story for all those who wants some backgorund info So my story.... I used to work for HBOS plc (Halifax) as an IT specialist. In July 2007 During my time at HBOS I became severely ill with encephalitis (similar to meningitis) which left me disabled and stuttered and completely inaudible amongst other symptoms. As a result In 2008 I was let go by HBOS after 8 months of SSP - due to my long term sickness. Unsecured Loan 2 - From HBOS - £7000 (Home Improvements) 2007 Last payment was in late 2007 possibly early 2008 - my records are not great during the period of my illness. So I recieved a letter last month from 1st Credit Saying : **Limited Discount Opportunity** Pay only 5% of the debt - £325.55 for a debt of £6511. So I'm thinking I applied on my PPI in 2007 to have these loan payments covered and I believed it was settled. Now 1st Credit allegedly own the debt. Easy option Pay them? Them i'm thinking its statute barred anyway - It must be because no payments must have been made after 2007 - 2008 as I was in a coma and there was no money left in my accounts.. Should I reply to them with a CCA request? Denying al Knowledge of the debt.. Is it worth the effort if it takes a year for them to disappear ... Also the debt doesn't show on my Noddle credit file. Advice please. Thank You
  9. Hi All In July 2007 During my time at HBOS I became severely ill with encephalitis (similar to meningitis) which left me disabled and stuttered and completely inaudible amongst other symptoms. As a result In 2008 I was let go by HBOS after 8 months of SSP - due to my long term sickness. Unsecured loan 1 - From HBOS - £5000 (New Car) 2007 unsecured loan from HBOS - last payment must have been Late 2007 early 2008. I applied under my PPI insurance during the first few months of my illness and I believed that was that. as I dont remember much of the following 2 years as I fell into a coma and began battling for recovery. So Now Joy of Joys - I have a default CCJ on my credit file for £4001 as of 2013 - I have just recieved yesterday an annual statement from 1st Credit detailing financial Transactions over the past year so i believe they where the claimant. Must have bought the debt. So I am going to apply to have the CCJ set aside and wanted some pointers/tweeks/amendments on my reasons/evidence.. Should I acknowledge the debt?? Should I chase the Payment Protection Insurance Claim I made in 2007 with Halifax? I missed the Hearing for the judgement as I did not recieve any correspondance from the courts hence I was unable to file a defence or attend a hearing. I have only just become aware of the judgement as it was highlighted by a prospective employer. Ok guys that is Debt 1 - your assistance is kindly requested Thank you everyone.. Oh wait Did I even post this in the right section???? Coz like I'm'a such'a CLEVER!!!! Help please Modz SAVE ME from my cleverness
  10. Hi everyone Firstly, a big thank you to the forum admins and moderators and all those who are offering such valuable time and advice to all of us in our times of need and often despair. Sincerely thank you. So my story.... I used to work for HBOS plc (Halifax) as an IT specialist. In July 2007 During my time at HBOS I became severely ill with encephalitis (similar to meningitis) which left me disabled and stuttered and completely inaudible amongst other symptoms. As a result In 2008 I was let go by HBOS after 8 months of SSP - due to my long term sickness. So the debt story... Whilst working at HBOS - I obviously had a Halifax account - Reward packaged account which i was signed up whilst working for HBOS. Unsecured loan 1 - From HBOS - £5000 (New Car) Unsecured Loan 2 - From HBOS - £7000 (Home Improvements) So today... I Am with massive thanks to the LORD ALMIGHTY - 90% recovered... after battling for years. I can walk unaided and my speech although stuttered is audible so I MAKE SENSE!!! WooooHooooo!!!! Last Year Doctors finally after much persuasion from me ... allowed me to go back to work. Yippeeee....!!!! I will be posting in all the relevant sections as to what occurred with the loans and the alleged debts I now owe and again would like to thank you all for your fantastic work. Thanks Everyone!!!
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