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About Me


Found 14 results

  1. Hi all, i have just received a court claim letter requesting payment for what appears to be an old overdraft for just over 500.00 pounds. As far as aware i requested the account to be closed approx 6 to 7 years ago. Do not recall having letters from lloyds bank, only letters and phone calls from dcas. Can overdrafts be statue barred??? If so how can i find out?? No payment has been made to account for years. Also got letter from carters saying court letter will come and to call them to discuss? Are they bluffing? Any help advise please.
  2. I have had a letter from Brian carter Solicitors saying that a ccj has been entered against me on the 17 December 2015. I did get the court papers but stupidly ignored them after reading different things on the internet about not admitting anything. The bill is for £501.64 and he is asking for £50 a month which I can't pay. The letter says they will consider further enforcement action if the payment is not made. I don't know what to do. I have also received another letter from Lowell which says pre legal assessment threatening another bill being sent to their s
  3. Hi, Not sure if i'm in the right place. I have revisted an old property recently and found a ccj for an old orange debt passed to lowel. With Brian Carter acting on behalf of them. The ccj was issued in December 2014 for the debt of £733 and i was ordered to pay £50 a month. This is nearly 12 months old and Carter is in a right flap, obviously. The address correspondence has been sent to, i own, and is rented out. The tenants say no bailiffs have been around. I can't understand why?, if it's nearly 12 months ago. this is my second ccj the first one for £1000, i wa
  4. Hi, I wonder if I could have some advice on the following. I checked my credit report for the first time in a while today, and notice that Lowell has added a default, dated 04/01/2011, for a small debt which is 'mail order'. Looking at the account start date of 2001, this is clearly a Littlewoods account which I stopped paying back in about 2006/7 when I got into significant financial difficulty and it ceased to be a priority debt. I've not paid or acknowledged the debt in this time, and it's almost certainly a) mostly made up of charges and b) statute barred
  5. Hi, I am having a problem with Lowells, they have started legal action against me, its for £338, they reckon I owe it for an O2 contract from over two years ago. I had a disagreement with O2 as they gave me a duff phone, looks like they sold the debt but how do I know its kosha ? I now have to admit to owing it and pay, or admit to half of it or disagree with the claim altogether. In my defence (to be written on the court form) can I ask them to provide a consumer credit agreement ? Thanks
  6. Way back in 2007, before I discovered CAG, Carters instigated a County Court claim for £300 odd out of an alleged debt of several thousand. Having ascertained that they couldn't come after me for the rest, I decided not to fight it, and was paying them at a couple of quid a month (because I am on disability benefits that was all I could afford). That went on for 6 years until, presumably, the CCJ dropped off my credit file, at which point they stopped taking payments and cancelled the Direct Debit which was set up. Since the middle of last year, I ha
  7. Hi I had a credit card with aqua which went to Lowell Financial Limited. This then went to a company called Fredricksons. I had a letter from BRYAN CARTER SOLS on 19 jul saying i needed to contact Fredricksons within 14 days (which I didnt) now received letter dated 9th august which says " we have been instructed by fredrickson international limited on behalf of lowell financial ltd to issue court proceedings on 23 august 2013 if payment of this debt is not received by us by that date" Question is what do I do?? I have never written or spoken to any of these co
  8. Hi,. I have had a debt with cap 1. This was for £2200. It was passed to fredrickson international. After several threatening letters I decided to phone them and I told them that I have had a hard financial period which included several months of unemployment. I said that I currently have a family friend who is williing to lend me money to pay off all my debts @ %40. I said on the phone that the £2200 was made up of approx £300 charges which were unfar in my view at £16. We came to a number on the phone of £1000, which the lady said she would have to get authorozied. S
  9. Does anyone want to share their issues with Brian James Furnishings in Cannock, Staffordshire? Tested the water at the store last June and bought a great chair and was very pleased with customer service. I know the store had bad press with the ex-Director banned from setting up a company for a few years so I figured I would risk it for a biscuit. Bought a sofa bed in January this year and I'm now in dispute with the company. Occasional piece of furniture not sat on often and the seat cushions have proved to be unsupportive and give me a bad back because they sink into the frame. Wh
  10. Back in 2008, before I discovered CAG, I made a Full and Final settlement with Clarity over an Egg loan. I still have all the correspondence and the acceptance letter from Clarity. Then last week, out of the blue, I got this letter from Egg: And today I got this from Arrow: It will now be well statute barred in any case, so it seems to me that I'm covered any which way. Either they accept the F&F letter, or they don't and it's Stat Barred. Do you think this requires any sort of response at this stage?
  11. Hi. Thanks for taking time to read my post I really hope someone can help me as I am really worried about it and unsure of the best way to proceed. I received a claim form from Northampton County Court this morning with the following particulars: THE CLAIMANT'S CLAIM IS FOR THE BALANCE DUE UNDER AN AGREEMENT WHICH IS NOW ALL DUE AND PAYABLE THE DEFENDANT AGREED TO PAY MONTHLY INSTALMENTS UNDER ACCOUNT NUMBER XXXXX BUT HAS FAILED TO DO SO. AND THE CLAIMANT CLAIMS THE SUM OF 989.81. THE CLAIMANT ALSO CLAIMS INTEREST THEREON PURSUANT TO S.69 COUNTY COURT ACT 1984 LIMITE
  12. Hi, I've been using this forum for years and have found it beyond helpful, but until now i've had nothing to add. Its a pretty steep learning curve and I wish I could have helped but it seems I may need some advice myself today. I've recieved a county court claim form (similar to some of the others ive seen on here from the same people) but Im unsure exactly how to set out my defence. There is plenty of info on here for the standard defences and I wouldn't normally ask but In this instance I really dont owe them, and in fact I consider orange (or whoever owns the account now
  13. Hi all, I keep getting text messages to my business landline, I checked the number and it appears to be this joker. I've already complained to the solicitor ombudsman. Staff and I have taken calls, long pause and then an automated message, starting off with call before you go to court, to you are now going into court today, to when they text to say they have put a CCG against me today. They have never written to me, neither has anyone else claiming I owe them money, which makes sense as I owe no-one nothing. Who the heck are they causing all this worry across the land, I wish they we
  14. That really is sad, one of my favourite groups of all time: R.I.P. Big boy - you brought a lot of pleasure to a lot of people and will be sadly missed not least by me.
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