Hi All, Having browsed a few stories yesterday I have decided to register and call out to you for your knowledgable assistance. I originally had run up an over-overdaft with Lloyds bank in 2005. This was terminated (along with credit cards and loans) on 8th January 2007. The balance was £1,492.76 (supposedly). However, since leaving Lloyds and being sold to other agencies it has finally landed in the lap of Lowell Financial (portfolio) who have decided that with me and my bad back, unable to work and unwilling to pay £300 for a medical assesment that they would, via Bryan Carter, send a claimform However, having yesterday filed against the jurisdiction of the court I have noticed that the figure has gone up by over £1,000 (on form N1): £2,304.35 + £18.18 (8% interest) + £105 court fee + £80 Solicitor costs = £2,507.53 I am looking to find out why this debt has risen so much (bearing in mind all other creditors have frozen interest and never added any charges to their figures, ever) and whether it is correctly assigned. Your advice on how I proceed is greatly appreciated! My initial 14 days + 5 = 21st September 2014. I await with interest for your input, direction and guidance. Many Thanks in advance, Steve

Hi wondering what is the best route to take here? Around 2008/9 I took out a vanquis credit card online which I had being paying every month with no problem they kept putting my limit up every couple of month till eventually it was - if I can recall £2000 limit. everything was fine until there was a big change in my circumstances and then I couldn't afford the payments . I was very unwell with the change and couldn't cope with any kind of responsibilities at that time. s o kinda stuck my head in the sand. at that point think I owed £1485 roughly to the credit card but as payments were not being made the interest /late payment fees kept mounting! I now owe £1830 .this balance was then passed to 1rst Credit and initially and they sent me a letter offering me a full and final settlement offer roughly for £900 which would have been Ideal big discount - but I genuinely didn't have the money to pay therefore ignored the letter. . I have since then moved house and have had constant texts, mobile phone calls (don't know how the got my number ) from all the above DCA and threats of court action from Bryan carter, Fredrickson although I never answer any calls from unknown numbers it will most likely be them so they haven't proven my ID yet, it's been about 2 years and 3 months since I last made a payment.. now Arrow global have passed it onto DEBT MANAGERS LTD, are they sending letters out weekly, latest one doorstep agent visit, to discuss arrangements for payment of the full amount owing ..and that I may be entitled to a discount without prejudice for immediate settlement ..do I keep on ignoring these letters what do you guys suggest would be the best step here?

Hi, I've read some past threads on debt regarding debts following you abroad and that CCJs cannot be obtained on a non UK resident...is this still the case? Also, are EPO's expensive to obtain? I now reside in Sweden, moved here 2 weeks ago and will not return to the UK for the foreseeable future. I have a credit card debt with Nationwide for 408gbp which has now been passed to Bryan Carter. I lost my job in the UK for a while and got myself into debt including with council tax and tv licensing but cleared those before leaving as I had a temporary assignment for a few months. I am now left with a Nationwide loan, overdraft and credit card. I did explain my situation to Nationwide and the payment for loan (around 7k) and overdraft (1k) is on hold until November as I explained my situation, so I'm unsure why credit card was not included in that, especially considering it's for much less value. Now I have explained the same to Bryan Carter, who are threatening CCJ because I can't pay, even though I informed them that I do have intention to pay nationwide, as discussed with them for their other products - as soon as I have a job. I am not trying to evade this, but do not want a CCJ issued and to be chased for it in Sweden...please help because Bryan Carter say they can still obtain a CCJ from a foreign address, and are asking me for a uk C/O address in the meantime, which I most definitely will not provide.

Moving into a private rental and so did a credit search on myself this weekend before letting agents did - there is a random CCJ on there placed in 2008 (so due to come off Sept 2014) - contacted Northampton to get some information on this as I am not aware of the debt or where it has come from at all (I was a student in Preston and it is registered to my 1st student house, which I left in 2000... even though I am on the electoral roll 2000-2003 - never did that!- as well as on electoral roll 1999-2005 at parents house. Anyway, Court advised that needed to speak to Bryan Carter - they advised that had now been passed to Arrow Global and gave me reference numbers - Arrow couldn't find or track me through Case Ref or through two account numbers given. Now placed a trace on the account to find it, but Bryan Carter couldn't guarantee that they would be able to, which leaves me at a complete loss as to how to settle this debt. I wasn't aware of the CCJ at all and have never received any correspondence about it - even though have been on electoral roll and easily traceable (unusual name!) since 2005 when I moved back to my hometown. I can't prove that the debt isn't me, but seeing as it is roughly about £200 I would really just like to pay it off and get my certificate of satisfaction. The CCJ appears on Equifax so have a score of 270 on there, but not on Experian or Call Credit so my credit score on those is about 832. Anybody else had issues like this?