poundland
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I have a couple of debts I am paying monthly to dca' s , balance on each about £550. I have some money coming to me. Even though I am repaying by arrangement, could I still make a full and final settlement offer to clear them?
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Thanks
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I contacted the people who I owed the money to who sent me a letter plus a copy of a letter they have sent to the court confirming I have paid the debt off in full. I am confused because they said if I wanted a certificate of satisfaction I would have to send a copy of the letter to the court, but they have already sent it?. I've looked into how to apply for a certificate of satisfaction but cannot find anywhere which tells you how to acually do it. There are forms to download and fill in, but there are no instructions on how to pay the court, who to send it to, who to make it payable to etc. I looked at Trust online but it took me round in circles. I have looked at the Justice.gov pages who just have the pdf form download with no details on. Can anybody guide me in the right direction?
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I paid the full amount.
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What's an F&FS? It says 'active'
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It says 'active' not 'satisfied'. I know it won't drop off yet, that will go next may.
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I called them and found out it was a CCJ I paid off 2 years ago. Now I have to do the chasing to get them to contact the court.
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Thanks, I called the but they said it was the wrong court. It's Salford I need. What is the difference between a CCJ from Northampton and a CCJ from Salford?
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2 IRL complaints against the JDW upheld by the fos!!
poundland replied to poundland's topic in Mail order catalogues
Thankyou, that is a tidy tool. Calculations look promising. -
2 IRL complaints against the JDW upheld by the fos!!
poundland replied to poundland's topic in Mail order catalogues
I have managed to do this now. I had two cases with the FOS with JDW companies and both decisions are worded the same, with slight differences in the outstanding balances at time of default. For this purpose I have just uploaded the one decision. FOSFinalDecisionLetter.pdf -
2 IRL complaints against the JDW upheld by the fos!!
poundland replied to poundland's topic in Mail order catalogues
Would it be helpful just to quote the final decision from the letters? My scanner only scans as jpeg as far as I know. -
2 IRL complaints against the JDW upheld by the fos!!
poundland replied to poundland's topic in Mail order catalogues
It's allthe interest I paid after my second credit limit increase plus penalty charges, then the statutory 8%. -
Thanks I looked on Trustonline and paid the charge to view it but all the info gives me is what I know already, i.e. the case number. I am pretty sure I have dealt with it as I have found some paperwork which was attached to the original court forms. They have a sticker on with the case number so It looks like I responded with an offer. I was paying several debts at the time and I know these have all been satisfied. I am wondering if it is one of these debts. I contacted the court who said they would get back to me in 10 working days but they haven't. Stumped now.
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I have just had 2 irresponsible lending complaints against the JDWilliams brand upheld by the FOS. They now have to refund all the interest and charges on my accounts plus statutory 8% per year. To ensure that they calculate this correctly I made an SAR to them for my accounts which I now have. I also have the formula to make these calculations. The redress says from when the payments were made. Is this the statement date when the interest was applied or when I paid each statement? I know its calculated on each monthly charge up until the current date but as these payments rack up over several years it could make a big difference. Thanks.
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I was checking my Noddle file and found a CCJ against me at my old address. It says it is still active but it is over 5 years old. I have no idea what it is for as I was living at the address at the time and already paying another CCJ off . I would have responded to this. My question is should I let sleeping dogs lie until the end of May next year and let it drop off after 6 years or should I query who it is from with the courts? In doing so would I reset the clock with whoever brought it against me?
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