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Found 7 results

  1. I think I have posted some information before on this but cant find the thread I had a old credit card debt from 1996. I defaulted in 2002 and ever since 2002 I have paid £10 per month to the company, ( no contact ever) In 2013 their bank details changed and so the payments bounced back In March 2014 I received a letter from Cabot stating they own the debt In October 2014 I have received my statement ( it does indeed look the debt was bought in 2014) Along with a arrears letter What I would like to know from esteemed gentlemen on
  2. Mistakes were made when i was younger and i got myself into debt. When couldn't pay them have come chasing, and me being stupid ignored them, they been round in circles for years now. Usually i bin the letters (stupid i know). owe to different creditors, 8 in all. 3 to Lowell i think. The smaller of the 3 has come to light £900.18. I'm starting to panic, as this seems pretty serious now. Letter reads: We have been instructed by Frederickson International Limited on behalf of Lowell Financial Limited to issue court proceedings on 07 Feb 20114 if payme
  3. Hello… I wonder if there is anyone who can help with this, please? Years ago my husband who is financially naive, (to say the very least), was sold several pensions, life insurances, annuities, etc., by an IFA. Amongst other things there were two pensions with Sun Life, (why he was sold two policies with the same pension provider is a mystery, but the IFA probably got paid commission for both of them). For several years they were paid in by direct debit under the two different policy numbers, then, when my husband was made redundant and stopped paying in, it would appear that
  4. Hello, I'm new to the forums, but if this is in the wrong place then could you let me know and I will re-create the thread. I was living in Australia for 16 years(I was born in the UK and moved to Aus when I was 6). I had a rough time and didn't have a job until I was 20. I never had credit before. I opened a bank account in Australia and got offered a credit card, which I accepted. I then applied for a online course, which was a monthly payment of 60 AUD. Once signed up I had realised this course that this company heavily advertised was a [problem]. It was th
  5. Just looking for a bit of clarification on which type of debts dca,s can and can not merge to create a larger debt when going for ccj bankruptcy etc ??? I am sure i have read on other threads but can not find it now that there are certain types of debts that can not be joined together when taking court action. Thanks
  6. Hi all, I have an unusual scenario. I am the freeholder on a house converted into 2 flats. I currently own the 1st floor flat and sold the ground floor flat sometime ago. The ground floor flat got repossessed. It would *seem* though that an error occurred on the initial purchase or during the repossession as the lender does not have a charge over the freehold title for this flat (standard criss cross lease arrangement). Presumably the lender has to find the evicted owners take them to court and acquire the freehold?? Is this not an expensive option?; what happens if they cannot
  7. Law firm Shoosmiths has merged with Edinburgh-based Archibald Campbell and Harley in a move intended to expand the debt recovery capabilities of both companies across the UK. The new firm will be known as ACH Shoosmiths in Scotland and will go live in the autumn subject to regulatory approval. Shoosmiths is established across England, while Archibald Campbell and Harley was founded in Edinburgh over 100 years ago. Both firms intend to establish a UK-wide recoveries presence while challenging the market in Scotland as a result of the deal. http://www.credittoday.co.uk/article/14133/online-
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