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xyz1000

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  1. Even though they couldn’t produce the credit agreement , I guess because it has gone to court it it is too late to argue that also the possibility that it had dropped off credit file? Thank you for your help I will definitely keep up with my post now,! Lesson learnt. I don’t really need any credit but may need to change mortgage in a few years. If I stay with same bank would they likely credit check again , and this effect it ?
  2. Claimant: HOIST FINANCE UK HOLDINGS 3 LI Solicitor: HOWARD COHEN & CO SOLICITORS Tel: 0330 6780 240 Ref: ……. THE CLAIM IS FOR THE SUM OF £1172.98 ARISING FROM THE DEFENDANT'S BREACH OF A REGULATED CONSUMER CREDIT AGREEMENT REFERENCED UNDER NO THE DEFENDANT HAS FAILED TO REMEDY THE BREACH IN ACCORDANCE WITH A DEFAULT NOTICE ISSUED PURSUANT TO SS.87(1) AND 88 OF THE CONSUMER CREDIT ACT 1974.THE CLAIMANT CLAIMS THE SUMS DUE FROM THE DEFENDANT FOLLOWING THELEGAL ASSIGNMENT OF THE AGREEMENT FROM LLOYDS BANK PLC (EX LLOYDS TSB) WRITTEN NOTICE OF THE ASSIGNMENT HAS BEEN GIVEN. THE CLAIMANT CLAIMS 1. THE SUM OF £1172.98 2. COSTS Judgment: 01-DEC-2020 Type: DEFAULT Total: £1344.98 Period: FORTHWITH They said it’s £11 for the copy of the CCJ judgement. Apparently the same information is given above. Do I still need a copy?
  3. At a guess it would have been on a debt management plan through Step change around 2017.
  4. Yes I binned them unfortunately. No I haven’t moved in years. I will get on to asking for the above tomorrow. Will Come back once I have them. Howard’s was who I was told to contact to make payment by the bailiff. Thanks for your reply .
  5. I have emailed the local court asking them for the paperwork connected to this. They. sent me a letter regarding the warrant. They said the court at Northampton sent the claim pack. I spoke with them , they couldn’t tell me much. It was a Lloyds card debt Howard Co & solicitor brought it along the line.
  6. Hi I would appreciate any advice. Last week had a visit from the courts with a warranty. I wasn’t home and had a telephone conversation the following day. I learnt that I have a CCJ which was registered in Dec 2020. As I don’t read any post from past debts I totally missed the post in regards to any of this so was the first I never about this. I submitted what I needed to to all my debts around four years again and none were enforceable. So was surprised with this one being added. So please can you advise .. Do I need to pay the £275 to take a gamble if I can now get this set a side. Does his sound like the best thing to do. Do I contact the company or does that re start the 6 years on it. I can’t even prove that already 6 years has past as I got a mortgage in The years before this and pretty sure no debts were on my credit file so no idea why this happening to be honest. But it is and I have to deal with it some how. the debt was a credit card it’s £1400 many thanks
  7. Hello It was a Estate Agent - family run shop on the high street. On 22nd Jan 18 they each paid £250 and the other £250 (each) was paid on the 26th Jan. The 1st of Feb the two pulled out. thanks
  8. thank you for your reply ....I will get the answers from my son and let you know.
  9. Hello My son and three other uni students put £500 each deposit on a house. It was for Sept this year. Since then two of the others pulled out finding somewhere cheaper. It is a bit of a long shot but does anyone know if there is any chance of getting any of the deposit back? It is a lot of money £2000 for nothing but they have been told that there isn't anything that can be done. I just wondered if that is true? thanks
  10. ok I will report to local MP thanks. I have looked on the website for the SAR but there is lots of different ones any idea which one I need to complete please?
  11. Hello In Nov 17 I received a letter from DWP saying that I own them around £550. I can not remember having this debt with them. I called them and was told it was from a loan 16 years ago. I wrote a letter asking them to send some proof and if I did owe the money why did they not ask sooner. I honestly do not think I owe the money. I have claimed tax credits since then and they have known my address ect. In the meantime they wrote me another letter saying that they will start taking 11% of my wages with a copy of the letter they sent my employer. So this month they have done that. No reply has come back from them from the letter I sent them. I have goggled this and seen that this has happened to other people. Is there anything I can do further?
  12. Hello I wasn't sure if I should start a new thread.. .. but needing some advice again if anyone can help. I have received a letter from Moorcroft stating that they are sending a local representative to call on 11/01.18 The purpose of the visit is to establish contact with our head office. The visit does not involve recovery of monies or possessions. Should I just ignore this letter and the door when they visit?
  13. Thanks !!! Trying to understand the site as well as the whole Debt collection stuff .... thanks again for always giving me advice!
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