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About cjay123

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  1. many thanks again DX I have successfully completed the letters, from the templates as pointed out by you. I will be posting these in the morning. Lowell - cca request - £1 fee postal order left blank, but written on reverse the purpose of the postal order - my name printed at the bottom of the page - via recorded delivery. Halifax - SAR - no fee unless they write back to ask for it - signed at the end of the letter - also by recorded delivery
  2. i read your message again... This time I read SAR - Halifax CCA - Lowell Would you please also share the link to the CCA with me. thanks so much
  3. I have not sent anything to either of them as yet DX. I think, my memory and brain function, seems to forget as to whom I am to send what. Plus I am definitely reading things different each time, maybe getting a little dyslexics. I feel lucky, that I have managed to find you here again. If you were to state to me, to send what to whom. I will follow the instructions as is. 1. Halifax or Restons - Sar or CCA 2. Lowell or Capital 1 - Sar or CCA. I can see the new SAR letter link. If I need to send a CCA, then please also point that out
  4. Many thanks DX for picking this up. Yes the property and the charging orders are both in my sole name only.
  5. Dear DX /CAG I was last here 30 March 2017, seeking advice with credit card debts. DX was very kind to take time, to guide me. I had some health issues, and subsequently, could not remember the website name or recall any passwords. Please accept my gratitude for help and advice in the past, but for reasons as above, I could not take matters further as per your guidance. Briefly: The debt were cash advances on low interest in both instances, which was subsequently lost in some business ventures. Both accounts were formed before 2001. 1.
  6. Sorry to bother again DX, I forgot to mention, that this was my intended reply. I have not sent this as yet. I always sleep over something like this before sending out. Should I be sending this, or edit or reword bits, especially about pointing out them being liable.
  7. Whilst I am waiting for the information as kindly guided by DX, I have had a reply from Restons. My subsequent reply to them is self-explanatory as copied below. Please note that I have hidden any information, which identifies individual's working for Restons. Dear Sir Madam Your ref: xxxxx Letter dated 29 March 2017 by Miss E xxxxx Further to your letter as above: 1. I also refer you to your previous letter dated the 13th of March 2017 written by Miss xx xxxxx and my reply dated the 22nd of March 2017. 2. Please note that m
  8. if I may add to your information, to see if there is any answer to your questions ref Halifax above. I had taken out a secure mortgage/ loan on my property for £250K+ in 2008 with Halifax for business activities as a self- certifying and self-employed person. The Credit card account was with them since 2001 with a limit about £15K like many other cards I had. In my meltdown in Dec 2012, I had lost all the money when things went pear shaped and I was unable to maintain any mortgage payments either. This amounted to £15500 in arrears on the mortgage. Halifax had taken m
  9. Thanks. Yes I was a sole trader. I have clicked on the SAR link, in your message. I will read up on this to understand and follow your kind guidance. May I please confirm, if I need to send this to Restons, or is it MFS Portfolio or Cabot credit management group, the latter being the name I see on my credit card file. Sorry, reading on your guidance in post 3 on your link. I understand that I would write to Halifax for this. I shall do this and then come back with what information has been provided. thanks
  10. Many thanks for your quick reply dx100UK. The original debt was circa £13500 from Halifax credit card. I was using their low rate cash advances for business activities back in 2012, when the business went under and I lost it all. I could not pay anything to Halifax and whilst I cannot remember if they had advised me so, but I believe that this debt would have been sold to MFS portfolio. I know that that the court cost circa £900 was added to the total judgement sum, along with interest Restons had claimed. Forgot to add. I did not contest the claim. I did not
  11. Dear CAG Restons have written to me: That they have been instructed to review my payment plan. That I should provide my financial information and breakdown again. That they want to determine if the payment arrangement I have with them is affordable. Please advise, if I am correct in understanding: a. I am required to remain compliant to the actual order by the court. (in the court order it states, "the claimant had objected to the rate of payment you have offered. The court has therefore decided at the rate which you should pay.") This is via monthly in
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