Jump to content

Norfolkboy

Registered Users

Change your profile picture
  • Content Count

    47
  • Joined

  • Last visited

Community Reputation

1 Neutral

About Norfolkboy

  • Rank
    Basic Account Holder
  1. Hi everyone, My wife and I separated last year. We have a mortgage in joint names for a property that neither of us now live in, with Platform Home Loans. The property is empty. Because we both now live completely separate lives in new accommodation (rented) neither of us can afford to pay the mortgage in full. We don't want to keep the house, we just want rid. The house has been up for sale since early Dec 2012. We did get into some hefty arrears before we split, and Platform have a suspended court order over the house. Platform are threatening to a
  2. Tomtubby, thanks for your reply. I've writtren formally to Rossendales to get a break-down of all charges applied to the account and am still waiting for this, so at the moment I'm not sure about the fees for the levy that never happened. As far as the bailiff himself is concerned, he wants payment in full (funny old thing) and has not been amenable to any sort of payment offer so far. All he has stated is that he is getting hassle from his head office (not true - I checked) and hassle from the district council (not true - I checked) to get the debt cleared off. Although neither of the ca
  3. Apologies - I didn't make myself fully clear. I persuaded the district council to take a payment off me over the phone - effectively I bullied them in to it. The debt still lies with Rossendales, although as I say they were most aggrieved that the council had accepted a payment. What I'd like to do is keep making payments to the council through their website but this won't show as coming off the old debt, it will show as coming off the current year and as I have a payment plan in place for that I don't want to disrupt it. The council have said they won't accept any more payments over the p
  4. I'm having an onbgoing battle with Rossendales over an old Council Tax bill. I've followed lots of advice from this forum and incredibly helpful it's been (always is!). I have had some advice from the CAB as well, and interestingly they say that in their experience it's very rare for bailiffs in a Council Tax scenario to touch cars. Not sure I quite buy that, as one visit from Rossers saw the Bailiff bloke looking to seize, impound, whatever the term is, 2 cars on my driveway. Fortunately, neither car was registered to me and he had to back down. My question really is whether anyone o
  5. Jogs, Cheers - but we did receive court paperwork.....I just didn't return it because I was so convinced that a lack of an original signed agreement would nullify any action they might take. They just didn't notify us that the court action was actually happening (ie, the date/time). Where does that leave us?? Can I still apply for a set-aside? Thanks again. Norfolkboy
  6. Firstly, some while since I've been on here so apologies straightaway to Mods if I've posted in the wrond place. In 1999 we took an unsecured loan with Nationwide for £15K. We paid approx £6K off it but then ran into major financial difficulties. The loan was eventually sold on to DCAs and did the rounds, as they do. Each time we were contacted, I sent the standard 'prove it' letter with no particular result and so it went on over the years. In early 2010 Nationwide themselves got in touch to say they wanted the loan paid off or they would take court action. I wrote several times and ask
  7. Grateful for a bit of advice if poss. In June 08, Capquest posted me a Stat Demand in respect of an old credit card debt. The residual debt, which I am paying off with them, is now around £1800. Recently, I completely forgot to send a payment in and received a computer generated letter from the revolting H H Legal (albeit from the Capquest address), pointing out that Capquest had served a Stat Demand on me in June last year and that given that I had acknowledged said Stat Demand (I didn't, but never mind that) they were considering taking me for bankruptcy. H H Legal had also got a much higher
  8. Grateful for a bit of advice if poss. In June 08, Capquest posted me a Stat Demand in respect of an old credit card debt. The residual debt, which I am paying off with them, is now around £1800. Recently, I completely forgot to send a payment in and received a computer generated letter from the revolting H H Legal (albeit from the Capquest address), pointing out that Capquest had served a Stat Demand on me in June last year and that given that I had acknowledged said Stat Demand (I didn't, but never mind that) they were considering taking me for bankruptcy. H H Legal had also got a much higher
  9. Presumably, though, if I go to my local court and set this aside, it indicates acknowledgement?
  10. 42man, The SD does not have any court stamp on it at all, official or otherwise! Nor is it original signed, if that is of any interest.
  11. 42man, Thanks. The result of the CCA letter was a photocopy of my signature on the application form for the credit card, titled 'credit agreement regulated by the consumer credit act 1974', and dated 23 Feb 99. The rest of the document is not there. Capquest also provided statements for the account, which do show some late payment charges (£15 each time) and, of course, interest. Not sure if these count as excessive. I wouldn't, of course, send anything to this lot without it being Recorded Delivery. My worry, as I say, is that I might imply receipt of the SD - and this I am not
  12. I have been paying off an old credit card debt (£2650) with the awful Capquest under a payment arrangement agreed with them (quite happy to do so - I owed the money and want to clear the debt, been through the CCA route etc). Unfortunately, I've been ill, ending in a trip to hospital, and missed a payment at the beginning of this month - admin not being top of the priority list! I contacted Capquest and made a payment by debit card when I realised. They then told me that the arrangement was now null and void, and that they had 'writen me a letter' about the matter. The letter, of course, w
  13. Yes, some considerable while back. They sent me a front copy of the card application form........eventually.....
  14. Hi Folks, Seeking a little help. Lowell/Red have sent me a Stat Demand, 2nd Class Post, about an old Barclaycard debt (originally dating from 2000, but not unfortunately yet statute barred). They did the Stat Demand thing previously at the beginning of 2007 - again by 2nd Class Post - and nothing came of it despite the usual threats from, at that point, Hamptons Legal. Having been through the cycle once already, I have to say that I am less panicked by this than 1st time around - especially as I do not believe the delivery method constitues 'Service'. But on the basis that one should
×
×
  • Create New...