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About Me


  1. I had a restriction of sale placed on the Land Registry title of my house for approx. £1000 in 2013 by Sigma SPV1 Limited while I was out of the country and did not receive notice of a small debt (which snowballed with penalties and interest) after I moved abroad. I am now about to sell the property and checked the title and found this restriction from 2013. I searched for the company, Sigma SPV1 limited and see that they were dissolved last year. How do I go about removing this restriction as quickly as possible? I'm happy to pay the amount if that's the quickest way, b
  2. hi, thanks for letting me join, I'm a newbie here wondering about a problem we have just had tonight. I came home tonight to see my daughter on the phone looking a bit flustered, she is 23 and doesn't live with us but is visiting today, she had just had a phone call from a debt collection agency called sigma red about a debt owed to the cosmetics company Avon. Some time ago she was approached in the street by an Avon salesewoman who asked if she wanted to become an Avon rep, she said she would think about it and gave the woman her mobile number and address. s
  3. Hi all First post here, hoping someone can offer some greatly appreciated advice! My girlfriend and I are hoping to look into taking a new mortgage in the next year or two, move out of our apartment and buy a house. I'm fairly recently self-employed (3 years) so that in itself is tricky but I also have old debt that could cause a problem. I settled 2 of the accounts with debt collection agencies a couple of years ago (settled with discount - not in full), and have 2 remaining. One from a cahoot loan I took out around 2004 (defaulted when I was out of work in 2007). Full a
  4. first off I will try and make this brief and to the point as I can. I am feel very frustrated and desperate to resolve this and clear my credit file. Back in 2009 I decided to change my phone to T-Mobile, after a week I found I could not get a decent signal in the area so the phone was no use to me, I rangT-Mobile, they said it was within the 14 days and was fine to return, they sentme a return bag I returned the phone to them and that was that…… …………..or so I thought! Roll on to 2015. I’m looking to get on the property ladder soon so having checked my
  5. Good Afternoon Everyone I have had a look on your wonderful boards and there are threads realting to my issue but I am finding all the jargon hard to understand. I have received a claim form with the claimant being SigmaSPV1 The particulars of Claim State: "Part only of monies due under regulated Credit Agreement no. XX between HSBC and the defendant, the benefit of which was assigned to the claimant on 21/12/11. The Agreement was terminated upon the defence failure to comply with the terms of the agreement and or the statutory notice of default served by HSBC Bank
  6. Hi, This is actually about my mum. Last year we realised that my mum had alzeimhers and she has now moved into assisted living where she is doing really well. One of the things she did before we realised she was ill was keep buying things in catalogues and hoarding them. I contacted them all when she moved and we cleared off the debt. I look after my mum as my dad has died. Now she got a letter at her new housing from Sigma Red saying there was an outstanding balance from JD Williams (I didnt realise there was multiple debts to this firm as t
  7. Hi Caggers The misses has just phoned me to say that we had post and one was from SIGMA DEBT COLLECTORS, Now i'll start saying that debt collector do not worry me in the least, but heres my problem... I was with the energy supplier scottish power, then we changed a few years later to a different company. A couple of months ago scottish power sent me a letter saying that I owe £79.00 for unpaid bill. I called them and stated, how do I owe it when I'm on a pre payment meter. His reply was, when you changed supplier did you give us the meter reading? I said no
  8. Hi Everyone, hoping for advice. Over the last year I have received letters from various DCA's regarding an alleged debt to Everything Everywhere Limited (T Mobile). I have ignored all the letters, as I do not now, nor have I ever, had any kind of contract with T Mobile. I am currently with Tesco, and prior to that I was with Vodafone for about 6 years (both pay as you go). In December I received the latest letter from HL, saying they are acting for SPV1 Limited, and if I don't reply within 14 days then legal action may be commenced. Today I received the Claim Form from Northampton. T
  9. This is my journey In 2009 M & S send me an application and purportedly terms and conditions on the back which they say is embodied within the agreement. Collect Direct get involved, quickly disappear when I send the account in dispute letter. Then Rockwell get involved who then are replaced with Credit Security who are then replaced with Fenton Cooper. They are shown the door and then Credit Security come back - keep up. In 2010 M & S send another copy of the application together with different terms and conditions although they say they are the "current account t
  10. I really hope someone can help me here as Sigma Red and HL solicitors are driving me insane. I had a debt owed to virgin media and was referred to these two companies, fair enough I owe the money so on the 19th of March I setup a payment plan with payments place, initial payment sent of £15 with payments scheduled to go out on the 18th of each month. I had an email on the 14th of May informing me that Aprils payment was a few days late (it went out on the 23rd) the plan had defaulted and they would collect on the 18th of this month. On the 19th of this month I
  11. I got a letter this morning from Sigma Red. it says "we have been instructed by our Client HM Revenue & Customs (HMRC) to contact you to arrange payment of the outstanding balance....." it gives details of the debt which is 1500 ish and has the usual legal jargon about commencing court proceedings etc etc. it relates to an overpayment of Tax Credits from 3 years ago. I had a letter from HMRC 4 weeks ago regarding this. This is the first i knew of it as i no longer claim tax credits and i have changed address, and i'll be honest i put it on one side and then for
  12. Hi and a happy new year to everyone i need help dealing with a ccbc claim against my wife her Problem is with SIGMA SPV 1 LIMITED she received a court claim form dated 31/12/13 from Northampton Court from a company called SIGMA SPV1 LIMITED claiming that she owes them £8905.81 the debit is from a HSBC credit card she had. we where in a over our heads and could not to afford to pay it so dug are heads in the sand hoping it would go away they kept piling on the interest I have read some of the forums and will be sending them a request for details letter via email and
  13. Hi all, I recently started getting texts/letters from Sigma Red chasing me for the balance of a defaulted Barclays bank account. The debt is roughly 5 years old. I have had other debt collection agencies trying to collect money from me but their activities have stopped once I have informed them that the debt is in dispute (which it is). I sent Sigma Red a letter last week explaining that the debt is in dispute and that they should return to the original creditor. Today I received a letter stating that 'To enable us to revert back to the original creditor we require
  14. I have just received a summons in connection with an alleged outstanding mobile phone bill from T-Mobile. However would I be right in assuming that this cannot be enforceable as Sigma are the claimants and have obviously bought the debt from T-Mobile? I understand that the original alleged debt has been repaid and as I have no contract with Sigma I cannot owe them any money. I am about to fill in the defence bit on the summons so any words of wisdom would be appreciated.
  15. Hi there, Sigma red has listed a default on my credit report after I defended a claim they put through Northamptom court. This was a year ago and since then they have not been in touch. They are listing a bogus default amount and date. The debt was originally with HSBC and is over 6 years old although it was sold to Sigma in 2011 just before the 6 years. Now my question is how can they list the default under their names if the claim for monies is still on going? Any ideas on how to get rid of this default? Thanks in advance for your help
  16. Hi, cut a long story short i told tmobile where to go three months before my contract was up back in 2010, they sold my details to a company called t3, they constantly harrassed me to join them and after asking where they got my details from they told me they bought them off of tmobile! I called tmobile to explain this and that someone was selling details, i beleave this was even in the press! I said im cancelling my contract and left it at that! They sent me a final adjusted bill including an early terminationn fee, i didnt pay and never heard from th
  17. This is my first post on this forum. I would be grateful for some advice with regard to the removal of a default. The default is from T-mobile and was placed on my credit file in August 2010, on account of a debt in the sum of £76. T-mobile initially instructed H L Solicitors as their debt collection agency, some time during 2011. I obtained my credit record from Equifax in August 2012 and it showed the default registered by T-mobile. I have this month obtained my current credit record from Equifax. The default is now shown as registered by Sigma Red Limited. The default
  18. Hi Guys I am new here I have a problem with HL legal I received a claim form sent from Northampton Court I responded by email asking for proof or statement within 14 days to HL Legal they replied back and said they have requested statements and once I receive it I can start filling my defense but on the same date they issued a letter saying : We are disappointed that you have not replied to the claim form issued against you recently via the Northampton county court. We are now at liberty to enter default judgement against you for the full amount claimed together with i
  19. I've sent my initial letter and am today sending the LBA letter to HSBC - anyone had any success with these - they really are awful people to deal with!!! lol Trying to claim just shy of £5k
  20. Hi im new to the CAG forum so may need some guidance... It wont let me add a file of the letter until i have made 10 posts so please message me & i will email the letter to you directly I have not had a T Mobile account for nearly 2 years, at the time i had a dispute which i cannot even remember what it was about because it was so long ago & they have never wrote to me regarding this & i left T-Mobile & moved on & got myself a contract with Tesco Mobile & now i am in another contract with Virgin Mobile so its way back since T-mobile were my provider ! Sigma
  21. Hi all, I've used the invaluable advice in threads from here a lot and huge thanks to people who post advice here I really need help/advice about a latest debt-pass-along to a firm called Sigma Red. I ran up the debt a couple of years ago or so with a bank. I had become unemployed after pregnancy (long story, bad/corrupt workplace, terrible life situation). Moved house. Debt collection people 'caught up' with me; various companies, the usual passing on of the debt to another firm when letters were unanswered, the usual companies discussed on here. The latest is Sigma Red;
  22. Not sure where this really belongs so posting it here. Really hope this is some sort of mistake as I just had a baby and facing benefits cuts in April if Mr [problem]eron gets his way. " Dear Miss ********** Our Client: Sigma SPV1 Limited Account Number: (not posting this on here unless required) Outstanding Amount: £495.57 Our data providers have indicated that you now reside at the above address. We act for Sigma SPV1 Limited who have instructed us with regard to your outstanding account with them in the above amount. We would be grateful if you would make arrangement
  23. Hi, please could any one help me at all. I receievd a letter exactly the same wording as tttf's. I had a joint account that was was in a overdraft for 1000 pound with an ex years ago (hsbc). I recieved a letter today which i can only presume is to do with that as when we split the account was just left. I dont know if my ex has had the same letter but funnily enough my letter is for 299.99 court fee 15.00 total 364.99. Its from Sigma Spv 1 limited. Funnily enough the the wording is exact, spelt without the T on credit and the date of 21/12/2011 for
  24. I have been reading the recent Sigma threads and it seems they might have dropped the split claims approach. Where does this leave us guys who were victims to the split claims? It seems our claims are stayed. Would Sigma be able to withdraw our current claims and reissue a fresh claim for full monies? Thank YOu
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