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Badtimes123

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Everything posted by Badtimes123

  1. You're welcome, No no, you're spot on, let's deal with the urgent one. EDIT: removed my advice because dx and Andy got here I wouldn't pay without seeing enforceable paperwork though by way of a CCA to Link.. Good luck
  2. Hello and welcome to CAG, Was the letter you received from Kearns a letter of claim? it sounds like it but please confirm. If it was then the process would have been to click this --> letter of claim, and follow post 2 There would be no harm in doing the above again as you haven't acknowledged the debt and need to see adequate proof before proceeding.. Note the words in their reply letter "we anticipate..." not "we will" You state a 'number of cc's' - list them out please as per most of the threads you said you've lurked in: date you opened them date they defaulted when you last paid More knowledgeable people will be along in time also to guide you further based on the above answers you give BT
  3. Glad you slept better! that's a good sign as you are taking control. 1 - yep, letter only comms 2 - All EXCEPT a letter of claim, but return to CAG if you're ever unsure about a letter 3 - yes definitely will help 4a - If you get a letter of claim <-- click and follow post 2 4b - Guidance here suggests starting pro rata payments as soon as the account defaults Lastly, spend a few evenings reading up threads on CAG so you get even more comfortable with what's to come
  4. Hello Pelf, Yes, you do need to reply to this. If you live in Scotland then this debt will be statute barred and we have some other options - do you? otherwise If you live in England & Wales then, click this: letter of claim Follow post 2 BT
  5. Welcome to CAG, another great first post! Yes, list all debts as there could be something else worthwhile depending on what info you provide us. I agree you're definitely on the right track, a couple of notes to add to your already decent understanding though: Once defaulted start pro rata payments at £1 PCM Only once a debt is sold should you CCA BT
  6. Hello Westgate and welcome to CAG, excellent job getting that filled in as your first post! your friend deserves a handshake Assistance will be along very soon, I'll be watching and rooting for you BT
  7. Hello 2Tiko! Alot of what you said is very good news!! (the age of the debt, that you are paying £1PCM etc etc) - very good indeed Advise them of your new address by post ASAP! this has to be done urgently to prevent backdoor CCJ's So have you already sent them a CCA and posted their response on CAG for review/comments? if not, please do this but only after you've changed your address Should they not comply with the CCA request in full, then you can stop paying them BT
  8. You'll know by my previous posts that I have no morals when it comes to financial institutions. The reality is that if you follow the advice provided which is to default them, then pro rata them all to £1PCM, the OC's would eventually sell the debts and the DCA's who purchase them will 9 times out of 10 be unable to provide enforceable paperwork, then 6 years later... poof! all gone.. could be 7 or 8 years away from having the slate wiped clean, regardless of how much debt you have or whether they are 'maxed' or not.. Re-read our posts in your thread, we've answered your theoretical questions already, I know oldrouge and I did for sure.
  9. No SB, just no.. I'm not sure you ever made that large brew and spent a night reading, if not then make tonight the night, read up on threads here until you fall asleep on your keyboard. There are many reasons why what you just said highlights a lack of fundamental understanding. Posts #2 and #11 remain the only thing you need to do right now, use the rest of your time to learn and stop going inwards, you don't have the knowledge yet to make informed decisions by thinking too much We will still be here when you need more guidance
  10. Hello romania, welcome to CAG. You did the right thing slamming the door! Tell us the full details of this account: when you took it out who owns the debt (the letter likely states this) amount owed access and check your credit file for entries for this account We will go from there. BT
  11. I didn’t do anything other than challenge your less than productive first post in 2 months so you can leave me out this, pretty sure I was the first to ask the questions that Stu just did so as far as I’m concerned I was spot on getting this thread back on track ill leave your threads alone gladly, but I’ll certainly return to challenge you should you start spouting nonsense again peace
  12. It's great you have heeded the advice and carried out the inspections. Please consider donating to the site, see my signature below.
  13. This definitely looks like they know it's unenforceable! also many of those pages uploaded are either totally unsigned or you have the best redacting skills I've seen So such a large discount within days of you showing you are likely to start challenging it, is a standard practice in the hopes you will see a bargain and rather pay to 'save yourself the hassle' than defend. It is also likely that even with 80% discount, they would make a profit on their purchase. I personally would stop paying and wait, as dx says, for if they send a letter of claim. At which point you request even more documents they won't have BT
  14. Agree with uncle. also you mention her tenure being quite long, it is important that companies follow due process and support employees before dismissal otherwise it can be very costly, I suspect this is the perceived delay you are seeing and perhaps the employee wishes to be ill health retired. Given what you’ve said it shouldn’t be too much longer before something happens
  15. Hmm ok, that issue at the rear, same side could definitely be related to the damage.. anyhow, I would definitely recommend a full inspection of the vehicle, think AA offer this service, others may well too Read this it may help and then I'm sure someone will be along soon to advice how you best approach this. What is the Consumer Rights Act, and how does it affect my vehicle purchase? - The Motor Ombudsman WWW.THEMOTOROMBUDSMAN.ORG If you bought your car after 01 October 2015, the Consumer Rights Act 2015 applies. This means that, when you buy the vehicle, it has to be of...
  16. You came back after 2 months to comment like that?? Stu has really helped with eviction side of things, but do you have an appropriate update to the other advice you've been given? Like: All the above statements and questions are valid as you as the landlord are accountable in the event someone gets hurt, or worse.. So, Stu mentioning 'urgent' multiple times - did you heed this advice or just hear what you wanted to hear and then come back to tell HB and UB how wrong they are?
  17. Hi Pixel, just my opinion, more knowledgeable people will be along shortly. Rust can happen at any time and given it isn't a major defect that affects reliability, I wouldn't have thought you can get them to take the car back, no harm is asking them to assist with the repair, but if it's just cosmetic then I doubt you'll be entertained as you should have noticed it. You should always do this... All items that should have been noticed by you before purchasing.. sills, lower doors and wheel arches are common areas for light repair work (if my wife drives it anyway ) Have it checked by a professional to ensure it isn't a major repair with potential structural damage that hasn't been registered.
  18. Hi Mizzy, certainly not my specialty however I've experience managing large teams. The only real thing you can do is approach your manager ( as they are responsible for resources ) regarding the fact the absence is affecting the team as you are a person down, it is up to HR to manage the absence policy and they will be very much aware, there's clearly information you are not privy to as well. As for your other comments relating to the medical history, I would suggest this is none of your business and perhaps you don't know the truth given the fact the GP signs her off based on symptoms. A GP has access to medical records... again this information (why she is off work etc) is none of your business nor should you know any details, what you think you know is simply gossip and hearsay. So really, my suggestion is simply highlight it (without condemning) and get your head down, pick up the slack and show your manager you're a grafter not a whiner I know that's likely not want you want to hear, but I hope it helps you move through this BT
  19. Very welcome Lulu, I figured there was an element of statute barring in there as you had eluded to part of the lowell claim being very aged, but my intention was to figure that out after the simple stuff You called me bedtimes, funny because that's a great idea! I'll be back on tomorrow evening after work
  20. Sorry dx, I just meant this one.. but didn't follow lulu's last comment properly - thanks for jumping in!
  21. Ok great, for the accounts not showing on Credit File, these are more than likely statute barred and lowell know this almost certainly. So, as per dx's comment, backdoor CCJ's could be a risk, hence the urgency to update your address. Other than the above, there's nothing to worry about here, send the letter and await their next move. When they reply, come back here for next steps. In the meantime, get to reading similar threads, you'll pick up how this is going to go BT
  22. Ok makes sense that lowells are acting now then, before they become statute barred. Let's get the address updated - have you posted the letter yet? hehe Just a few more questions for now: Are all of these debts in England? as in, you lived in England when taking them out and still live in England? Are lowels showing on your Credit file as the owners of the debt? As the letter contained an offer, it's unlikely to be a Letter of Claim, but just to be sure, please describe the wording in the letter
  23. Hi Lulu, Update your address with lowell by post, do this right away. Have you made payments to any of these accounts in the last 6 years?
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