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  1. Hello, Please could I have some advice? I've just received a default judgment for a Lowell debt (well, the ccj is dated last month, but I have my post redirected from an old address back to my parents and I've only just gone to visit). I did know I had an outstanding debt from a capital one card, (but for some reason I still receive e-statements from them). They've sold the debt off to Lowell (for £2,552), and I've just had a letter saying that I have a default judgment against me. I have had no correspondence prior to this from Lowell, such as a notice of
  2. 2ND thread today! I am helping my brother with his CCA requests and now we get to MBNA. I wrote to MBNA on 27.3.9 requesting a copy of Credit Agreement. They defaulted the account on 01.04.09. ( although I am not sure if it is an actual default notice-I will try to scan it and post it)Then they wrote on 19.6.9 enclosing a copy of the agreement. It contains a copy of the signature form dated 26.10.03 signed by him and mentioning the credit limit. Then there is a form with personal information that looks like it is a form filled in from a phone call to him, then four more sheets containing term
  3. My brother just called me with a problem. He has had a lot of outstanding cc debt that I thought he was dealing with albeit slowly. However Arrow apparently have a CCJ for his MBNA CC debt and he wants to get it set aside. They said they are going to contest it and go for a charging order. He wants to know how he can contest this. He thinks he has been paying them a little each month but I know his debts are big and there are quite a few other credit cards chasing him. One other has got a CCJ and he is paying £100.00 a month. I told
  4. Hi please can I get some help Faulty steam shower - retailer refuses to honour 5 year warranty In May 2012, I bought a steam shower, as it had a 5 year warranty from Heat and Plumb London, (they still sell these), there are several faults which have now made the shower unsafe if not impossible to use, I wrote to them last week after speaking to which legal (they give you advice but are now very busy) they said the shower was covered under the Sale of good act 1979, so I wrote to the retailer asking for the repair or replacement as it should have lasted more than 2 years.........they
  5. GM firstly a note to say this is a temp. thread as all of my previously started threads are currently lost in cyberspace. Bit of history:- Credit card first taken out in August 1999. Hubby always been self employed. DMP started in 2008 Stopped payments in 2009 and account charged off and has since been passed to several DCA's but I have dealt with them all by CCA requests which none have been able to comply with. SAR requested in March this year in an attempt to get the CCA and all statements to do PPI claim. Information received in June. Looking through the mountain of
  6. whoops, buried my head in the sand a little with this one. Egg obtained a Judgement by default against me. I have never CCAd them. I have today received Interim Charging Order. I have had depression for 2 years but am now ready for the fight (if there is one I can have) Thanks for any advice
  7. I have a credit card with someone but got slightly behind with my payment. I went in hospital on 22 August and a default notice was sent to me on the 24th. I came out of hospital on 23rd which was after the allowed time of the default but made a payment which was more than the default,on the 25th September. A statement was sent to me on 19th Septemember 2007 advising me that my minimum payment was £150. The payment made on 25th September was more than £150. They will not budge on the default and this could be very damaging for work. Now my question is, because they se
  8. Hi, I'm looking for advice/comments etc please I was made bankrupt 3 years ago and within that bankruptcy was a loan to a building society. Recently a letter dropped through letter box stating that my wife owed the money and that it was going to court in northampton. Immediately applied on their online service to state that she would be disputing the debt and wrote to them with a request for the original documents to be provided, which they seemingly ignored, the next correspondence was a judgement made against her saying that she was liable for the debt. Have
  9. On Easter Saturday I was browsing the internet looking for a cheaper insurance for a newer car I was picking up that day. Found it and signed up straightaway. I realised that my NCB wouldn't apply I then phoned the company I had for my older car (still on the road) to cancel that insurance to release my NCB certificate. The chap I spoke to said he would ring me back as he felt I was being hasty (and I now agree with him). The policy had only been in force for about 20 days so missed the 14 days cooling off period. He didn't ring me back so I don't even know if
  10. Slightly complex claim here. I topped up an Egg loan at the beginning of 2007. The total cash amount of the loan was £9331 and the payment protection premium lent was £1730.85 with the total amounts payable at £10668.00 and £1979.04 respectively. I subsequently defaulted on the loan and it was sold to various debt collection companies, ending up most recently with Arrow Global. They stated that the purchase balance of the account was £8193.79, down from the £11061.85 advanced by Egg. Added to the complications, I now live in the USA. Restons for Arrow Global obtained a CCJ by default
  11. Hi there, In 2007 I was the victim (like many others) of the aggressive tactics of Turnbull Rutherford Solicitors in conjunction with HFO Services (they are actually the same people, or were then - HFO bought unsecured debts and Turnbull converted them to secured debts by a court order, on an industrial scale). At the time in 2007, I was ignorant of what I should have done, which was to question the validity of the contract by making a Subject Access Request. But as I didn't know about this I had no option but to complete the N9A and offer to pay by instalments. T
  12. I think I know what I am doing but just need it confirming. I have a CCJ against me for £1007 issued 9/9/14 Yesterday I received a letter from a HCEO it says Sum Outstanding £1118.75 Interest £3.09 Compliance Stage Fee £90 Total Sum £1211.84 I am going to my nearest County Court that deals with High Court Matters. It is my intention to make an application for a stay of execution (N244) and also an application for a variation of the order as it was a forthwith judgement. Just to murk the waters a little, I rec
  13. I know that one of the rules that the lender must do is provide you with a statement of what you owe e.g. outstanding mortgage pus arrears prior to applying for repossession. Is the repossession hearing allowed to take place, and, or is its outcome valid if; It is proved that the account was in dispute over the balance claimed by the mortgage lender. It is also proved that the balance was incorrect. If so how hard is it to have a suspended repossession order set aside.
  14. Some 43,000 borrowers are set to get compensation after a High Court ruling over the wording of documents sent out by former bank Northern Rock. Northern Rock Asset Management (NRAM), the nationalised "bad bank" remains of Northern Rock plc, will have to pay £261m in refunded interest. The case related to Northern Rock's "Together Mortgage", and questioned the wording in past loan documents. NRAM is now considering whether to appeal against the ruling. The total payout is expected to see each affected borrower refunded an average of about £6,000, with the total overall bill
  15. I run a local work club where I help people with IT problems such as setting up email accounts, UJM accounts, CV building, basic Maths and English etc (voluntarily) and we had a new person arrive today in tears. It was his first time signing on and in his own words has no idea about computers, never used one, doesn't know how to turn one on etc. After calming him down and telling him I was there to help he told me on his very first visit to the JCP that unless he has an email account set up, UJM set up and a CV printed and saved he would 'be liable to sanction' Bear in mind he has n
  16. My friend was issued with a summons which he wished to defend because he believes the DCA has no authority to pursue, and this was going to be the mainstay of his defence. He acknowledged service, asked for 14 extra days and sent SAR to DCA. DCA claim debt has been assigned to them by OC. DCA replied to SAR and stated that they couldn't provide breakdown of account, interest etc or provide CCA because it was with original creditor, and he would need to write to them. He was late filing defence when he went to do it there was an error at moneyclaim
  17. Hello, I got a CCJ and didn't defend it in time. The judgment was entered and since then Robinson Way have gone for a charge on my property. I have tried to stop that by offering to pay something in installments. The case has had to be moved from our local courts to one in the nearest city as it has closed down. What I would likt to know is is there any way I can perhaps ask the claimant to produce documents and if they fail have the case set aside or has it gone way past that now? Hope someone with some knowledge can lend a hand to a normal joe.
  18. Hi, My partner recieved a stat demand for 46,000 for rent arrears. the demand made a claim that a lease from april 2011-april 2014 had incurred 46,000 arrears. she requested a hearing to dismiss the demand. she provided bank statements proovein she had paid all rent during that period. she then told the judge the arrears claimed related to an earlier lease. she had a counter claim the landlord committed an act of fraud against her in 2011 for 123,000. she also provided evidence the landlord had waived arrears in the earlier lease. I had written to the landlord refferin
  19. Hi Back in 2012 Ascendon applied for and got an eviction date from a suspended repossesion order from 2008. I posted on here and thanks to Ellen's fantastic help and advice I attended court and the judge suspended the order again provided I paid the monthly mortgage and £300 per month. At the time this seemed realistic and affordable but Ascendon kept on making things very difficult for me. They wouldn't change the payment date despite me not getting paid until the 10th of every month and they insisted I phone up every time.However by sept 2013 I was completely up to date with the
  20. Hi I defaulted on my LloydsTSB Mastercard back in late 2008 (I lost my job of 15 years a few months before), I paid the minimum £1.00 a month until summer 2010 when my debt was passed on to Robinson Way and i've continued to pay them £1.00 a month and still do. During this time I was diagnosed with Parkinsons and Type1 Diabetes and a few other things (Leg amputated) and am surviving on only sickness benefit. My local LloydsTSB which is literally about 50 feet from my front door has recently been converted to a TSB branch I decided to take the plunge and apply f
  21. Hi, Lowell Portforlio 1 LTD made a claim against me in the North Hampton County Court... To cut a long story short Lowell discontinued the case and it was set aside by the courts. There is no CCJ on my credit file for the case BUT it still shows as a default.... I would have thought that the CCJ and anything associated with it should be removed from the file.. I contacted the Registry and they informed me that they only can take remove CCJ's not the default.. Is there a template letter that i can write to Lowell to let them know i have a Certificate of sat
  22. Hello, would like some advice if possible... I had a current account with Halifax, which had a direct debit going out each month. I opened a savings account and transferred most of the money into that. I moved to a different address and forgot to change my address with them as I was really busy studying. I later found that my direct debit wasn't being payed, and that the current account had gone into overdraft which I was getting charged for. I found out that they had taken the money from my savings account to pay off the charges they had given me and then close
  23. Hi New to forum need advice regards CCJ Have letter from country court judgement entered against me regards debt £11.000 to BW Legal. Have been sent judgement for claimant (In default) and appeal form n244. I filed a defence but missed deadline. Requested information from BW Legal no response. I do feel there has been an abuse of process regards this claim. They have written letter saying that a statutory demand was delivered to my address, By a Receivables company. This did not happen, as I was at home for the appointment no one called. I al
  24. I have recently had a Set-Aside Application granted. I now need to remove the CCJ from my credit file. I have been advised to either obtain a certificate of cancellation from the court to send to Equifax, Experian and Call Credit or Send the Order to Set-Aside the Judgment the aforementioned credit reference agencies, is this correct? Are these the only three agencies? It seems all to easy for a creditor to be granted a Default Judgment and subsequent CCJ and when it transpires that the incorrect address and amounts are used and the Judgment is Set-Asided, it seems impossible o
  25. Good afternoon all We have periodically received letters chasing a £1084.24 debt for Lloyd's tsb. The debt was either an overdraft or credit card and is appx 8/9 years old. Latest letters from Lowell's and Hamptons which threatens to pass to Fredrickson international Ltd who will apply charging order, warrant of execution etc. What should I do? Also we had failed IVA with debt free direct appx 7 years ago and other than annual statements from one creditor, Tesco we have heard nothing. We owed around 5 creditors appx 40,000. Should I worry?
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