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London1971 last won the day on January 21

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  1. Once it's off your file no mortgage company or lender can see it. It's as if it never really existed. DCA's are powerless despite acting to the contrary, they cannot add another default and they cannot stop a debt going statute Barred. There are multiple factors involved in mortgage eligibility. A large deposit, if you have one can cover a multitude of evils, even a 6 month old CCJ. However, the older a CCJ / default is, the less bearing it has on the result. You would be doing yourself a favour to find a good broker who can find you the best deal. However, I stress that partially paying off a 4 year old default is not going to make a difference one way or the other. As for being taken to court, it might never happen, or might be years from now. They would have to be pretty stupid to try it after ignoring your CCA request. Besides, even at that point, if you lose you can avoid a CCJ by paying it. I hate seeing people waste money, especially to bottom feeders like Moorcroft. I'm going to put it in caps STOP PAYING THEM THEY FAILED A CCA.
  2. But each time you pay that £1 it resets the 6 year statute barred clock. However they failed a CCA request, stop paying them, it isn’t enforceable. They are taking you for a fool.
  3. Sending the request will most likely render the debt unenforceable. All for the price of a copy and paste letter, and a stamp.
  4. CCA Request isn't acknowledging the debt. Paying them an amount each month is. You pay them a penny now they will be all over you forever!
  5. Seconded, Even if you were looking to get a mortgage, a default that old shouldn't make a difference anyway
  6. When was the default date? If it's ok to ask what reason do you need it off your credit file? Not that a partial settlement will remove it anyway.
  7. What happened with your CCA? Dunno about you, but I certainly don't have a spare £1k to throw on the bonfire right now which is what you will be doing if there was no response to your CCA request. I mean if it's really burning a hole in your pocket there are plenty of charities / food banks etc that you could give it to. Far better causes than Moorcroft / Arrows etc Office Christmas party. Partially settled marker is pointless anyway as it will be dropping off your Credit Report soon anyway. Do not fall for this con.
  8. Sounds like it was pretty sensible of the GP to transfer you to another one when their system flagged up that you had made a complaint a few years back.
  9. And to look at the bigger picture . What judge or magistrate or anyone in authority is going to side with a bottom feeding DCA and force a vulnerable couple with no money into the streets at any time, let alone in the worst economic and public health crisis in living memory. Read the other threads here, do as they did. Try to get your money back from Marstons. They don’t deserve a penny from you.
  10. My experience with Link MBNA Credit card £10k defaulted 2008. Ignored all their calls and letters. (Prob hundreds of threat o grams) Never paid them a penny, despite them threatening me with their 'in house fraud dept' . Guess what, they gave up around 2013, went statute barred in 'early 15, and never heard a peep out of them since.
  11. Listen to all the advice given OP. Did you read the link that I posted. The one that said there is no way of forcing you to pay and that they send these ridiculous hyper inflated fees in the hope that some mug will get scared and cough up because they know there is zero that they can do. Did you read the bit about low incomes? You ask for a professional To ‘sort this out ‘ That person who knows this inside out is @dx100uk. He’s seen your letters, and can tell they they are just a load of bluster. All of our advice fits in pretty well doesn’t it? In other words you really have nothing to worry about.
  12. They obviously ignored it then. Be sure to also note that you are in a high risk Covid group (65 plus) and you certainly won’t be receiving any Doorstep visitors thanks.
  13. As suggested if you can give the more info as above there are loads of people who can give excellent advice here. Look at this below Stopping enforcement You can apply to the court that made the CCO using a Form N244 to set aside the order. Alternatively, apply to vary the CCO and include a completed Form N245 Income and Expenditure and a to vary the CCO into an Income Contribution Order and you can pay in affordable installments. The court fee for an N244 is £255. If you are on a low income, claim court fee remission online and put the application reference number on your form N244. You don't need to write a letter or contact the bailiff company. Your grounds can be prescribed benefit Your were not means tested before the order was made You have had a change of circumstances You are on a low income under £12000 a year Your total assets are under £30,000 You were convicted in a magistrates' court, and not a court court. You were given notice of the order after 21 days from the date of the order - preventing an appeal. You were not given a notice at all, for example, it was posted to a previous address The order was made more than 6 years ago - Section 9 of the Limitation Act 1980 I might also suggest, that your wife's disability, backed up with Consultant's doctor's notes etc, will kill this one dead in the water. Also read below Bailiff company Rossendales Ltd bid on on the government contract for the enforcement of CCO's, but it's work came with very limited success. The problem faced by bailiffs is a combination of the practicality of asking debtors from low-income backgrounds to give tens of thousands of pounds at the doorstep, and debtors not having movable goods or vehicles of such high value. There are no rules limiting the rise in the value of legal costs ordered against people for legal representation fees, or state that the cost of solicitors fees must be proportionate to the cause of action. As a result, costs orders for solicitors fees against people have become hyperinflated. This is due to the person owing having no prospect of ever paying, or they divert income or assets elsewhere, causing the legal profession to increase fees further to offset the risk of losing a share of costs orders against debtors that cannot pay. Debtors cannot go to prison or be "arrested" for non-payment of a CCO. The liability dies after six years following the date of the order. The solicitor is still paid, but from public funds and only at rates set by the government.
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