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About Me


  1. In September 2016, the government set up the HMCTS Historic Debt Team as a pilot scheme to recover outstanding court fines that had remained unpaid for a period of up to 10 years. In many cases, the reason for the fines not being recovered had been due to individuals moving address etc. In March 2017, the government announced that since its launch, the HMCTS National Compliance and Enforcement Service had recovered ‘significant sums’ and as a consequence; the Historic Debt Team expanded their tracing activities to recover outstanding court fines over 10 years old. Every day I recei
  2. Hi There. My wife has just received through the post an attachment of earnings form from the MCOL Business centre. A CCJ was awarded in default as was sent to a previous address. My wife only found out about it when she received a Noddle credit profile change notification. She spoke to Robinson Way who advised it was issued at a previous address. She gave them our new address and interestingly the attachment of earnings form has come through to our current address. Details of the debt: Original creditor was Egg (so suspect any CCA would be "interesting" to
  3. Just trying to get this clear in my head, old car purchase properly terminated via section 99 sold on to various DCA usually gets to letter before action send copy notice and lenders admission they ignored notice see you in court it goes away for goodly while has just resurfaced ( with massive discount on alleged amount) but it is now since 2009 when the first alleged debt was claimed. As I understand it all the time the DCA contacts me and to avoid going to court I respond saying I do not acknowledge debt here is proof they can keep passing it a
  4. This not my debt or my fight, BUT.. A friend has contacted me re a debt they once had but had long since forgotten about. Out of the blue in September 17 they received a County Court Judgement issued by the bulk mailing centre of the courts from Northampton, judgement was awarded by default to the DCA's solicitors/DCA The debt was in excess of 8k, I suggested they wrote asking judgement be set aside and for it to be transferred to their local Court. The issue is two fold, the defendant (my friend) seems to think that the last payment they made was in 2009 thus putting the d
  5. Hi, Received a call from unknown number just before Christmas asking me to ring a number to discuss a matter - I didn't. Today have received a letter from Redwood Collections whose number it turns out was the one I was requested to ring. Letter is below, and is all they have sent to me, but my request for assistance from CAG (legends!)is what should be my first step with dealing with them, who I have never heard of or dealt with, as yes I dispute the whole debt for myriad reasons, but I want to be seen to be doing the right thing by replying to them - wit
  6. Hi, when I input data into the spreadsheet calculator v102 available through CAG, the spreadsheet shows the value for the 8% interest at the end of any month that the reconstructed account would be in credit. But only a value relating to statutory interest for that month The spreadsheet seems to do nothing other i.e. it only gives that months value, adding this to the total for statutory interest at the top of the spreadsheet. It does not factor this value into the accruing redress, which is correct but it also does not include 8% per year until the date the claim is settled. Surely
  7. I touched on this in a recent post but very recently a letter received by my Aunt sort of confirms my thoughts. Debt with a bank, no payment/acknowledgement for some 10 years now, the debt is most certainly stat barred. However, due to a recent restructuring on her finances she was able to sort a small loan out to consilidate her outgoings (no DCA's as there are none left in the pool) The loan was obtained and the outstanding bits and pieces all paid off as part of the loan (paid by her not the bank) 3 weeks later in a letter dated 17th February a well known bottom feedi
  8. Just as a query Scenario; DCA collect on a debt, alleged debtor, stops paying and fills DCA's mailbox with CCA's Sar's, nothing provided, DCA keeps reqesting payment even though they have not provided paperwork, in the end the allged debtor says file for court or bugger off. 4 Years later since the last correspondence and out of the blue a court summons lands on the doormat of the alleged debtor from the DCA. Defence is filed, no admission within the counter defence is given, debt is denied. The DCA acknowledge receipt of the defence via the online court system
  9. Hi All, new here but been a reader for years. This is complicated and im out of my depth. A couple of years ago my long time friend had problems with business and life, (approx 4 to 6 years ago.) His business went into liquidation and his marriage broke up all at the same time. He came to stay at my home for about 8 months while he sorted himself out emotionally having no where to go. When his business failed he had a personal guarantee for the overdraft on his business. ( this was a gray area for him because at the time he stated he wasnt sure if he did or not) more one this
  10. i have received a letter through the door indicating i am about to be issued with a stat demand on behalf of a company called P&A receivables plc. it reads 'i have been directed to serve you with a statutory demand issued under the insolvency act 1986 on behalf of the creditor. unfortunately on the letter it does not give any further details. all they say is they will be returning on a date and a time to either issue the demand or post it through the letter box!!! what should i do???
  11. Capquest have written to me about a CC account originally with Lloyds. The last payment was Jan 2009. I intend to send them a stat barred letter, is there someone in particular I should send it to? Help and advice would be greatly appreciated. Thanks
  12. Hi, My partner recieved a stat demand for 46,000 for rent arrears. the demand made a claim that a lease from april 2011-april 2014 had incurred 46,000 arrears. she requested a hearing to dismiss the demand. she provided bank statements proovein she had paid all rent during that period. she then told the judge the arrears claimed related to an earlier lease. she had a counter claim the landlord committed an act of fraud against her in 2011 for 123,000. she also provided evidence the landlord had waived arrears in the earlier lease. I had written to the landlord refferin
  13. Hi, In 2012 I claimed back PPI on 2 unenforceable accounts that the Co op had sold to Equidebt, the PPI way exceeded the balance. Had a decent refund then. But on the Credit card Co op only refunded for 6 years as they claimed they only had records for 6 years. Following the recent publicity I contacted the Co op again who have re assessed the figures now they are going to pay a further £21k!!! Both accounts are acknowledged as Stat barred by Cabot who own them now. Balance of accounts around 12 k. Total PPI refund £35k. Serves them right for selling the
  14. Info in brief Back in 2002/2003 I opened a Barclaycard account and my boyfriend of the time used it. I was not as financially aware as I should have been and ran up huge bills, which I was unable to pay at the time. I default for about 7.5k in 2006. In 2008 I heard from 1st credit regarding the debt and I made a couple of payments. Since then I haven't heard anything until 3 days ago I received a letter from "Barclaycard' giving the card number the balance outstanding and their reference number. They stated that they "hereby give notice of the assignment of the
  15. Hello All, I sent Capquest a "Stat Barred Letter" circa Sep 2013 re an alleged old debt from Lloyds. This is definately stat barred by many months. In late oct 2013 they replied firstly with an apology re the delayed response.then up pops, the our investigations have revealed that I made a mystery £1payment into the account some 3 years earlier and therefore the acc. is not Stat Barred. Further they also state that they are not in a position to cease processing my data as they are the legal owners of the acc. The default on the cras file was originally entered by Lloyds and the
  16. i issued a stat demand and now due to circumstances need to withdraw it ...as i am ow unemloyed and money is tight . the stat demand was not challenged in any way just ignored .. what is the procedure please
  17. Hi, Back again, still battling on, been a while, mainly been ignoring the thieves and vagabonds that seem intent on trying to part me from my money... Hope someone can help with this one, assisting family member who has received an SD two days ago which we will request to be set aside as is in dispute and CCA request as yet is not satisfied (years overdue). Have been trying to view templates or copies of an SAR suitable for this but keep getting a message saying I do not have permission to view the pages? What do I need to do? looked at new CAGmail for SAR but was just blank and refe
  18. Have just received a letter through the post today from BW Legal stating that they have tried to call at the house on 2 occasions (both times I was here and no-one knocked at the door) and that they will call again on 4th December to issue a Statutory Demand and will post it if we don't keep the appointment. Firstly, I have never heard from this Company before and other than there reference number, it doesn't tell me who the debt is for? There is a telephone number, should I call it to find out? Can I try to agree a repayment plan? I'm scared w
  19. Despite winning the set aside last year in the high court http://www.consumeractiongroup.co.uk/forum/showthread.php?367618-lowells-statutory-demand-**SUCCESSFULLY-SET-ASIDE-PLUS-COSTS-**-CHEQUE-RECEIVED-NOW-** it appears it has looped back to lowell portfolio ltd asking for payment or it will be passed onto lowell financial ltd ! they admitted in court that they were unable to produce any paperwork, didnt respond to cca request etc. i complained to oft etc. how is it best to deal with this guys, thanks
  20. Hello All, Letter received from Arrow stating that. We are writing to let you know that the management of your account has been transferred to Clarity Credit Management Solutions Limited. HOW WE WORK Arrow Global works with a network of specialist third parties who manage customer accounts on our behalf. We have now appointed Clarity to manage your account and have passed your account details and payment history to them. NEXT STEPS You should now direct all queries, correspondence and payments to Clarity quoting ********. Their contact details as follows. Clarity Credit
  21. Having recently seen off a certain bunch with the template SB letters in pretty short order, I just wonder if these chancers know that an account is SB when they send out their garbage or that they do need to be told to check their records, being cynical, I suspect it is the former and they are just chancers Sufficient to say my replies confirm, no further action, all details removed, wont tell a soul, wont sell on etc etc, It will be their rectum if they do though !
  22. Had a letter from a well known mid garden of england branch of shysters and a follow through from a town with a rugby stadium firm chasing an SB account. After some sharp letters Firm 2 have passed back to firm one who acknowledge that it is SBand not legally enforceable and usuall bowlarks about still being able to have the right to request paymentand excercise their rights in this regard as the account remains legally recoverable, - yeah right Stat B is Stat B it doesnt exist any more? or am I wrong? Ideas for what to say to SE England firm when, as they no doubt will contact crying an
  23. More for getting my own thoughts straight on defective D/N's I understand that the DN must specify a date for settlement and not "28 days ( or whatever) from the date of this letter. So, if a DN is deficient and defective can any DCA be told to get knotted on this or should it be initially via the CCA route/"Bemused" letter? and presumably it is not a good idea to tell the OC that their DN is rubbish? perhaps, if it ever gets that far, to wave it in Court? In addition, I presume that being sent a specimen pro- forma DN letter, with no specific personal details, never mind exact
  24. Hey Guys, Just some of advice please folks. Got a NTO from local council some time ago. Naturally I appealed and heard no more about it. Next i hear is some 11 months later a baliff knocking on my door demanding £317 from me for the unpaid fine. I called the local council who state they'd sent 3 letters following on from my email appeal. They state as they'd sent it they wouldnt hold off action. I contacted National Debt Line and they told me to file an out of time stat dec to the TEC to which I duley did. Got a letter back today advising it has been refused. No reason as to why just refu
  25. Hi, hope this is in the right forum!!! I am wondering if anyone can help with a problem I am currently experiencing. Last Tuesday morning we had a home visit by an enforcement officer advising us that there would be a bailiff visiting our property, with a locksmith and the police, unless we paid a fine (£625), which my partner had to pay to avoid embarrassment and items being taken. He had managed to trick her into letting him enter the house by telling her that she would not want the neighbours hearing what he had to say and basically caught her off guard. He had no details other th
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