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tom100

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About tom100

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  1. no i havent moved. its an old email address so the emails arent particularly bothering me just dont want a ccj raised. but also dont feel its fair paying back what they say i 'owe'
  2. i opened the accounts in 2010/2011 both have been sold to dca i got issued a ccj by default for one of them which i wasnt aware of because i was at uni payment was set too high by the court so i have an agreement with dca for lower amount until get myself sorted my main aim at the moment is to go at the original creditor (shop direct/very and littlewoods) and try and claim some fees back but am clueless how to go about it https://www.consumeractiongroup.co.uk/forum/showthread.php?487902-lowell-backdoor-Cat-debt-CCJ-now-court-bailiffs-how-much-will-this-harm-my-future
  3. Is it possible to reclaim catalogue fees from Littlewoods/Very on accounts over 8 years old now and have subsequently been sold to DCAs? i would like to know if its likely to be successful.... so i can get some money back and use it to pay off some other debts If so i understand i send them a subject access request but i havent' got a clue what the account numbers were etc? any way around this? what do i do?
  4. I defaulted on an old minicredit loan in 2012 and the default is due to drop off in 2 months it's now with opos/kapama I have not paid anything or contacted them in nearly 3 years. ive found a few emails in my inbox about the debt, most recently a few weeks ago telling me it is now in the pre-legal stage they sent me a statement loan amount: £100 interest chsarges: £121 debt collection charges: £100 default charge 1: £25 default charge 2: £50 attempt charges: £685 i've paid £20 towards the debt according to the statement through token payments (sounds about right) but the amount owing is still over £1000 for a £100 loan i'm guessing as the default is dropping off soon this is the moment where they will try anything including a ccj to recoup some monies? especially if they dont hear anything from me. currently trying to sort all my debt problems out so.... what would you reccomend as my next course of action with this?
  5. thankyou for your patience i just have a hard time understanding all this stuff and my constant googling and getting different answers probably dont help i think i understand, please correct me if wrong. so the facts are these... i have a balance of £600 for an old catalogue debt with lowell default was registered in august 2012, will drop off in august 2018 when it drops off in 2 months it will dissapear forever and wont appear in any form whether i dont pay it, make token payments, or agree a full and final settlement? the ONLY way it could ever reappear is in the form of a CCJ if they decide to go down this route? it's their discretion? when i am in position to negotiate a settlement or pay in full... i should keep evidence of this in writing as i won't have any evidence on my credit file to show i've settled the debt?
  6. in part its due to the conflicting information i've got going on in my head from internet searches, forum searches, etc. nothing seems to be 100% consistent the reason i made this topic is because i found it difficult to believe that after the non-paid default drops off your credit file on its 6th birthday, there wouldnt be any subsequent record of some sort on your file. - if you continue to make payments or settlement which is what i intend to do to avoid ccj as best i can which is where this quote i found from another forum comes in and the conflicting info. someone was enquiring about their file similiar to what ive done here and got this response "Basically when the defaults drop off and there have been no CCJs or anything of the sort then all there will be is the notice of record of payments." so there WILL be a record of payments on my file and when the final one is made it will take a further 6 years to drop off my file?
  7. ?? I don't wish to dispute any of the debts mate just want to know about the implication of non-paid defaults and credit file Let me try this another way. Hypothetical example; say I had a defaulted account for a credit card with a DCA that is due to drop off my file in 2021. Lets say I either pay the debt completely or come to a settlement offer in 2019. would this drop off my file in 2021, or would it stay on under closed accounts until 2025 as my last payment would have been in 2019?
  8. payday loan is with the original creditor according to my credit file catalogue has been sold to dca
  9. Hahaa just simply trying to ascertain the procedure for this kind of thing One is a payday loan and the other is a catalogue Not done the CCA from my limited understanding it all seems rather long winded and i am not disputing the debt at all
  10. Thanks for your post. You say brackets are your advise and not official ICO guidelines but in regards to the {the WHOLE ACCOUNT WILL VANISH, never to return} this is the major thing i am concerned with So in August 2018, the defaulted account on my file will dissapear/drop off/not be visible/etc etc yes? however the debt wont be statute barred and i'm not disputing the debt nor have any intention of doing so. So in theory they COULD get a CCJ against me right because the debt will still exist even if its not on my credit file? if so then it becomes a diplomatic conversation between me and the dca to either agree a suitable payment plan or a settlement offer? (so i can avoid a ccj) so if i did either of those things then this wouldnt be reported on my file at all? sorry but i am easily confused and not sure making a new topic will be a good idea, just wanted some general advice. cheers
  11. I have two unpaid defaults from August 2012 and would like some clarity and advice about what to do. I know defaults drop off the credit file after 6 years but what actually happens to my file if the accounts remain unpaid? I know its not the same as being statue barred and i believe i have made a payment to both in the last 3 years or so One of the defaults i am not actively being chased for it and havent been for years The other one I am being chased for but the dca has agreed to give me 30 days to sort myself out (find emoloyment) and has froze the account during this time What I want to avoid is the situation of the defaults dropping off the file, but then they issue a CCJ. And what if I agreed to a payment plan which at the moment would take a very long time to pay off? Eventually the account(s) would be closed but wouldnt dissapear from my file until 6 years after the last payment i made? So is it either not do anything, let the defaults drop off and risk a CCJ? Or come to a payment plan and have it cause problems for another 7-8 years? (1-2 to pay them off, and 6 for it to go from my file?)
  12. Thanks for the words notodebt i aim to be 100% debt free within 2 years. of course i will still have a few defaults, and the ccj (which will be satisfied) but still on the file for a further 4 years at this point but apparently you can still get in the police force as long as the ccj is satisfied https://www.ukpoliceonline.co.uk/index.php?/topic/32007-ccj-and-outstanding-debts/ like you said about your history i think the key is always honesty and transparency. you can't hide your financial record, especially from police vetting procedures but i think and hope as long as your 100% completely open about it and explain what you did to rectify the situation, and how you have sorted yourself out, it should be ok fingers crossed anyway
  13. Well I didn't get the claimform in time because I'd been away from parents house for several months whilst at Uni but from my research apaprently this on its own is not a good enough defence to get it set aside. How about if the original creditor agree not to get in the way of a set it aside claim? maybe if i offer full payment and a bit more for their trouble once im in position to do so? will this make any difference or are they not even present at the hearing?
  14. On my credit file it will make no reference to the £50 I am supposedly supposed to pay each months and the "missed" payments? I think when people hear of CCJs they panic because they think the courts are actively pursuing them automatically? I know I certainly did. Where as in reality, it is entirely the discretion of the judgment creditor right? If they wanted to enforce the debt they could pay the court fee and do it. If they couldnt be bothered to do anything and let the debt go, they could do that. The court doesn't really give a toss, unless their getting paid for enforcement? Am I right?
  15. I cant set aside for many reasons. (1) the first payment of £50 is due tomorrow. its been nearly a month since judgement (2) i cant afford the court fee to do this, and to get help you need to be on benefits No I hadnt informed them I had moved....its complex because its temporary moving whilst at uni. I have the claimform and judgment because i popped back to parents house and saw it
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