Has anyone experienced glitches in the functionality of these, whereby previous lists pre-populate new ones and the only solution is to log out and start again? Very difficult to explain to online help desk!

Hi Im new to the site and am looking for some advice so apologies if this is posted in the wrong section. A few years ago I had a unsecured loan and overdraft from Halifax. I became ill and unable to work, did not have insurance and was unable to pay the outstanding money. Stupidly at the time I ignored the letters of demand and eventually they stopped. I obtained my credit file from experian about 15 months later and noticed that two defaults had been registered against me for each debt { the date of defaults was Aug 2002}. As far as I am aware this should remain on my credit file for six years from the date that the default notices were issued, can somebody just confirm that for me please? Also will it automatically be removed from my file or do I have to make an application to have it removed?? My main problem seems to be that since the deault was issued in 2002 that I have had no correspondence from Halifax at all, in fact I was not notified of the actual default notice, had the threatening letters which I ignored but never a letter to say they had gone ahead and filed one. The debt now appears to have been sold onto debt collection agencies, since 2002 I ve had various companies write and threaten home visits, bailiffs court action etc if I dont repay the debt, normally I write back 3 or 4 times explaining my position, inability to pay and request that they cancel the debt, I never normally hear back from them after about my 4th letter then normally 9 or 10 months down the line a different collection agency contacts me about the same debt and the cycle starts all over again. The latest debt collection company wrote to me this week and I have replied to them explaining the above, just out of couriosity I obtained a copy of my credit file and it shows the debt still listed as to the Halifax, same default date but says that is settled with a part payment, now I havent made ANY repayments so I presume this part payment is the payment received once my debt was sold on?? I can handle the debt agencies but my query is this, once the six years is up although the Halifax arent the ones chasing me will these debt agencies continue to keep passing my debt around?? None of these agencies are listed ANYWHERE on my credit file / report? Hope this all makes sense, thanks to anyone who can help me Thanks Jem x

Hi Everyone. I have received a Claim Form from these crooked debt collectors for £1649 for an alleged debt with MBNA which was sold to Arrow Global. Issue date is 5th November. Im about 20 months away from this alleged debt becoming Statute Barred. Can someone help me with which process to follow? Do i put in a defence or do i ask them to provide the credit agreement and other documents before i do that? Thanks. PS im prepared to fight them. I have beaten alleged speeding offences on 7 occasions because i understand the law and system. But im new to the CCJ world

I have received court papers from Northampton county court bulk centre. The claimant being lowell for an old catalogue debt, although im not sure. Account opened: July 2007 Last payment: August 2010 Date defaulted: Feb 2010 & July 2010 ? Original amount: £650 With costs and interest, the total is now over a thousand! Papers were issued on 27th Jan so I have acknowledged with the court and asked for an extra 14 days. I have used the template letters to ask for more information under a cpr 31.14 request, i think that this is correct from reading other threads. My main worry is that the information wont come back quickly enough to build a defence and respond. If anyone can please help, I would very much appreciate it.

I have received court papers from Northampton county court bulk centre. The claimant being lowell for an old catalogue debt. Account opened: July 2007 Last payment: August 2010 Date defaulted: Feb 2010 & July 2010 ? Original amount: £650 With costs and interest, the total is now over a thousand! Papers were issued on 27th Jan so I have acknowledged with the court and asked for an extra 14 days. I have used the template letters to ask for more information under a cpr 31.14 request. My main worry is that the information wont come back quickly enough to build a defence and respond.