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About Veteran6224

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  1. Update I received a response today to my initial letter to BW Legal. They have Confirmed that the file has been placed on hold whilst they query the matter with their client. They also state that they will contact me upon receipt of a response from their client (Money Shop) From your experience what are the next likely outcomes? If they have the original agreement signed by me and send evidence what should I do? The debt is Statute Barred in March. If they don’t have the original agreement do I send another letter requesting they remove the default and stop chasing me for it? Thanks in advance
  2. Thank you for the swift reply. So to confirm, I need to send the above CCA Request alongside a PAP as per the post in the link you provided? if so, is the CCA Request letter I typed OK to send as is? Thanks veteran6224
  3. Hi all, I received a letter today from BWLegal in relation to a debt of £704.80 original debt was with The Money Shop, payday loan of just over £100.00. The debt is due to be made SB in March. The letter is threatening to take me to court and place a CCJ on my credit file. I have typed the below letter and would appreciate any feedback you could give. This will be the first letter they have received from me, I have not made any contact with them previously. I have also typed out the content of the letter I received from them today. 16th January 2019 CCA Request removed please do not post our template requests. The Below is a rough outline of the letter received today Dear MR XXXXXX We have been instructed by PRAC Financial Ltd to commence legal action in the form of issuing a claim against you in the county court, without further notice, in respect of the above debt. If payment or response is not received before the 14th February 2019. If you dispute this debt please tell us why so we can help resolve this matter. Estimated Claim Such legal action may result in you being liable for court fees, solicitors costs and statutory interest which are listed below: Principal Debt: £708.74 Estimated Interest: £118.37 Estimated Court Fees: £60.00 Estimated Solicitors cost: £70.00 Enclosures Enclosed with this letter are: Information Sheet Reply Form Income & Expenditure form Particulars of the debt On 20 February 2013 you entered into an agreement with Instant Csh Loans Ltd t/a The Money Shop to provide you with a fixed sum Loan agreement account. You failed to make payment in accordance with the terms of the agreement and it was later terminated and has since been assigned to our client on the 9th December 2016. Notice of this assignment has previously been given to you. Our client is not currently applying any interest, fees or charges to your account. Any help with my CCA Request letter is greatly appreciated, I want to make sure I have the correct sections quoted etc. Thanks in advance regards Veteran6224
  4. Sorry I am not sure what a tomlin order is? The £50pcm was set up by me Making them an offer as they were chasing my guarantor. England and company are an offshore accountancy firm in Jersey, I worked offshore and they were the accountants we used and I left the job but the accountancy fees were still owed and I didn’t realise. So they placed the high court writ with HCE Group Hope that helps
  5. Ok, I owe: - Intrum £5300 CCJ (original company Amigo Loans) paying £50 a month at present - Prac Financials limited £708 Default (original company Money Shop) not communicated at any point and debt is SB soon. Default date was 27/06/2013 Settled/satisfied debts are: High Court Enforcement Group £2758 CCJ (original company was England and Company) paid in full and settled My credit report via Experian shows no defaults or CCJ’s, my credit report on Equifax shows defaults for the above mentioned unpaid debts (Intrum & Prac Financial) To my knowledge I have no other debts, I have not had any letters from any other companies chasing me. Regards Veteran6224
  6. I only realised it was a CCJ when I registered with Equifax last night. I have been paying Intrum £50 a month for the last 12 months but have the money to clear it if I needed to. So it’s best that any debt showing as a default or CCJ on my file should be paid/satisfied prior to applying for a mortgage? I had another debt for £2500 that was with High Court Enforcement Group that I paid off last month and have been told I need to apply for a letter of satisfaction from the county court it was registered with. Thanks for merging the posts
  7. I am also sending a CCA to Intrum and the other debt next week
  8. Great I will hold out then, I registered with Equifax last night and the Intrum debt is on there as a CCJ and has 2/3 years before it become statute barred but the £700 one becomes SB after June this year. I have mentioned previously that my partner and I (she has a great credit rating) are looking to apply for a mortgage in early 2020. Can anyone tell me the best route to be accepted for a mortgage in regards to debts and defaults etc? Do we satisfy them to show the mortgage company we’re addressing the debt? I could clear all my debts by May this year. I have a £2500 credit card with a full limit (Aqua) so was going to spend a small amount each month and pay the balance in full to boost my credit score. We have a substantial deposit and affordability is there it’s just the defaults/CVJ etc I am concerned will be an issue. Anyone with mortgage experience that can help would be greatly appreciated Thanks in advance Veteran6224
  9. Thanks again, I will check all 3 credit reference agencies and see if the Intrum debt is on there (It was formerly Amigo Loans). If it isn’t on there what would be the best thing to do? Stop paying the debt? I will read the threads in the link you have sent, thanks for the support
  10. Thanks for the reply, I am trying to get all debts cleared to have the best chance of improving my credit score in order to get a mortgage next year. The main debt is now with Intrium (formerly 1st credit) that’s for £5330 The smaller debt of £700 is with a legal company but the debt was originally with Money Shop. I haven’t requested any evidence from them relating to the debts. The £700 debt is due to be statute barred in March so I have not responded to their letter. Regards Veteran6224
  11. Hi all, i have a debt that will become statute barred in March. I have read posts and people have said that after 6 years it completely drops off your credit report. Is this the case? Can mortgage providers see a debt on Experian that has been made statute barred regards Veteran6225
  12. Hello all, I am currently in the process of servicing/settling all of my debts and over the last 3 months have paid off 5 of my 7 debts (£4800). I have one large-ish debt of £5300 and a small debts of £700. I will be looking to get a mortgage early 2020 so checked out my credit report to see if there’s any other debts/defaults I’m unaware of. However, when I access my report it states I have no negative factors and no defaults. I can’t understand why it wouldn’t show my defaults, can anyone help please? I just want an organisation to be able to tell me all of my debts so that there ends up being no hidden surprises further down the line. help is greatly appreciated
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