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  1. Hi All Back again. found letter from Stewart Barnes Associates, dated post dated 31 March, only just found it. States that person is coming to my home tomorrow to serve me with this Statutory Demand for Bankruptcy. A couple of years ago I wrote to one of the debt agencies that bought this debt if they could produce a CCA, I received a letter stating that the original company did not have a CCA. Since then there have been many debt collection agencies that have written. I have not acknowledged the debt and no payment made for about 18 months to 2 years, I will have
  2. Hi all. I am new here however, I really need a qualified advice. I received a statutory demand on 13/01 this year. However in the email they are stating this was served on 21/12/2015/ Even I moved house I was regularly visiting my old address and no letter was delivered. The statutory demand is served on my based on judgement from foreign EU country. I was not present on the hearing (I did not know about it) but a representative was pointed to represent me. I found that the Judgment is not enforceable in the UK according to EC Reg 2001/44. I would like
  3. Evening all, I'm looking for advise on a statutory demand. Today I have had a letter through the door saying they have tried to serve a sta demand and will return on the 3rd Of October to attempt again, saying if I'm not in (which I won't be because I will be at work) they will post it and class this as served. Now I'm not sure what I should do next. I've not made any payment or acknowledged any debt for nearly 4 years but still quite a way from the 6 year limit. what should I do about the stat demand,
  4. Hi All, I have a utility debt of £1500 which I owe. It is an annual bill that has mounted up (about £250 a year). I believe some of it may be statute barred. I'm also unsure as to how I owe so much - I thought it was more like £1000. However, sequence of events: Debt collection company letters start to arrive. I write to advise that I will pay £150 per month but in the meantime I am contacting the utility company to establish the full detail of the debt as I dispute the amount. I am late on my first £150 payment - I can pay in a week (I'm a week later
  5. Hello, I hope someone can help me. My Partners company has had a statutory demand issued against it. We want to apply for an injunction restraining them from presenting a winding up order but do not know how to go about this/ what forms are needed. There is a lot of advice on the net for individuals but not for companies and the process is different. Any advice would be appreciated.
  6. Apologies, posting as a general question to as many people as can see this. As the OFT is closing end of March and handing over to FCA, I am not sure on their deadline, but I gather they were collating a list of priority matters to deal with for the FCA to continue CCA based work. I am very anxious that so many people here are dealing with similar bad behaviours from the leading debt collection agencies or purchasers, such as Statutory Demand, Bankruptcy, Court including in their absence, all the harassment cases etc. I am also a victim. I wondered if everyone felt the
  7. I have today received a Statutory Demand for a debt totaling just over £3,800, which comprises original debt + £399.00 debt recovery costs.. The original debt relates to a Funeral Service, the original creditor is the Funeral Directors, the stat demand is issued on behalf of them by Redwood Collections Ltd, Croydon. Now I know I owe this debt, I buried my mother 18 months ago and buried my head in the sand with grieving and depression. So now it really has come to bite me in the ****. Just before my mother passed, she was paying off the funeral of her second husband (not
  8. Someone has just personally delivered a Statutory Notice from a law firm acting for Lowell Portfolio, so I know I have 18 days from today. Not sure when that takes me to - is it working days or calendar days? The form states the original creditor is Equidebt who I am fairly sure I have never taken out any credit cards or loans with. So I think they bought the debt themselves. I don't recognise the actual amount stated (I have an old Experian report from June 2009) so I'm guessing there may be charges added on. The default date stated is 13 October 2008 and I don't recognise that either.
  9. Hi everyone, I'm looking for some urgent guidance if anyone is able, I had a Statutory Demand delivered at around 7pm tonight by a man in a flannel tracksuit. When I asked who he was he said he had been asked to hand deliver a Statutory Demand on behalf of BW Legal. He said that he was a 'courier' though I pointed out he had no ID or uniform (he was basically a bloke off the street by the look of him). Not knowing what the envelope was i refused to take it. He then said that BWlegal told him if i couldn't/wouldn't take the envelope he should still just leave it on the floor ins
  10. I am new on here, (registered last night) and hoping that somebody can offer me some advice. Some history first to see where I am coming from. Since 1996 I had banked with Lloyds TSB, I was self employed and in 2005 started experiencing financial difficulties which resulted in me taking on their credit card. The situation got so bad that I ceased self employment but had 2 bank accounts and the credit card which they all defaulted me on. After some reading on here I realised that the bank charges and "late" payments on the credit card could be challenged and sta
  11. I today received a SD from BW legal in regards to a HBOS Credit Card which I defaulted on 2009. The letter it self was delivered via normal mail They are asking for 9.4 K even though the amount outstanding on the card was 8k (so I guess they have added fees and late payment charges along with interest) I have read through the article about SD via post and was wondering what my next steps should be I assume 1 should be to to fill the form asking the court to set-aside the SD and after that what else should I do ?
  12. Hello Guys, I am new toi CAG but I have been servered with SD just yesterday by PS on behalf of BW Legal/Lowell. They are calims I owe them a debt of over 10k from two HBOS credit card debts (combined). I use the HBOS card is the past but not any more and as far as I can remenber have paid all the balance has all been paid but they are claiming the is a debt and I am in default so they have now bought the debt from HBOS and demanding a claims asap as they will bunkrupt me and sell my house. to make sure they have proof of the debt.I dont think I owe them any de
  13. I received a hand delivered SD on Monday from BW legal in respect of a debt to HBOS for an overdraft of £5k. It dates to 2009 when I was made redundant, I was also moving home at the time and despite notifying them of my new address, a lot of the paperwork was lost between the 2 houses and my notoriously poor record keeping. I got in touch with National Debtline and filled in the income expenditure forms and sent them off to my creditors along with a begging letter appealing to their better nature(you live and learn). As I had only dole to survive on at the time I couldn't offer more
  14. Evening all, I'm looking for general advise on my debt situation This may be a long and winding post so please bear with me. I won't bore you all with the details of why my finances got into a mess but suffice to say that losing my job at the end of 2009 led to me defaulting on a number of credit agreements. Despite writing to all the companies in question, asking them to stop adding charges and also to accept a minimal payment I was singly ignored by one and all. I ended up with 2 CCJ's, one for a large loan which I pay at £50.00 per month and 1 for a credit card which
  15. I received a statutory demand from BW legal in February 2013 that was posted through my door. They said in the letter that they had tried to serve the demand on a few occasions but I was not in so they pushed it through my door. Based on the advice I read on this forum I decided to try and have it set aside based on the following reasons: 1. The claimant had failed to provide a copy of the original agreement. 2. The claimant had failed to provide copies of any valid default notices. 3. The claimant had failed to serve a Notice of Assignment. 4. The claimant had failed to provi
  16. Hi All, below is brief summary of current issue: 1. BW legal issued statutory demand for lowell (ex barclays (OC), Morgan Stanley) 2. I applied for set aside 3. Court wrote and set hearing for BW to provide original signed agreement, statements, notice of assignment(NOA) and letters they had sent 4. BW turned up without the agreement but had statements and NOA, Court adjourned hearing till 13th June so they could get original agreement from the OC. Court gave them till 1st May to file and serve written evidence so that I can file and serve by 24th May - they haven't sent anything
  17. Hi I am a new member and really need some advice. I have spoken to every debt charity i can find been referred to some and now come to a dead end unless i pay a solicitor £1000 to represent me and I haven't got that sort of money right now. I was in financial difficulty some years ago and got myself into debt . I was being pursued by BWLegal on behalf of Lowell portfolio 1 ltd who had purchased 2 credit card debts from Capital One ( Europe ) PLC. The debt was for £886.92 and £2384.24. They issued me an 18 day Statutory Demand dated 13 April 2012 which gave the details of the debt an
  18. THE STORY I worked for a design agency on-site for 2 months Jan-March on an initial contract bases with promises of a perm role after a month or 2. The first month I got paid after 8 weeks (they didn't raise any questions over payment after my first month and ignored my first 2 invoices until I sent a signed for invoice in the post after week 6 - then it was toward the end of week 8 that I actually got paid for my first month. From that point onwards I realised I would only get results if I sent everything 'signed for' royal mail (1st class) - and this ****ed off the director. He told m
  19. Hi all I had a credit card with MBNA but stopped making payments in September 2007 when I was made redundant. Not long after I had an accident and have been unable to work since. I have today had a bailiff round handing me a Statutory Demand from BW Legal Solicitors on behalf of Lowell. The letter states that Lowell bought the debt from MBNA which I was unaware of. It states the Default date of 30 January 2010, I do not recall receiving this. The debt on the Demand is £1XXX, however I seem to remember the original debt was around £1300. I own my own home which has equity
  20. Hi CAG Have been dipping in and out of the forums for a while now, but first post(s) today,so apologies if I have strayed to wrong area(s) or am a bit long winded. Quick background, had heart attack 2006, affected my finances as self employed, in particular Capitol One credit card. Think I had PPI but no good to me as self employed. Sorry to say lapsed payments some time after then was told I had end stage renal failure, leading to dialysis and luckily for me a kidney transplant last year. Havent worked since Dec 2007/Jan 2008 and only entitled to Disability
  21. Hello Will try and summarise.. . if I miss anything please let me know but would be so very grateful of any advice on what to do now. Capital Bank Joint Personal Loan £5,481.20 outstanding taken out in 1997 It got transferred to Wescot Credit years ago and we had no communication with Capital Bank Direct at all. It went to Legal & Trade Collections before Wescot and also a solicitors but we adamantly paid the minimum and had been paying £40 a month to Wescot for a long time but not paid anything since beginning of 2009. April 2009: received a letter with 'Your Ann
  22. Evening all I have received a Stat demand from Simply Credit Claims I used them for reclaiming PPI. I received the Pay out at the end of August , I received there invoice on the 9th of September, But the invoice was back dated to 28th August. Today I have received the Stat demand Dated 26th September. The amount Owed is for £1800.00 They started Harassing me for the payment 0n the 13th of September. The guy I spoke to dropped the amount to £1100.00 if paid with in the next week. I sent a cheque but they have not received it as of yesterday.
  23. Hi fellow caggers, Not sure if this is in the right forum, but here goes. My wife got a statuory demand through the post from amex solicitors, Brachers LLP. I was just going to ignore it but after reading other threads, decided to go for set aside. I filled in the forms and sent them to the court, who have now replied with a date for a hearing in early August. I understand that I have to send one copy of the paper work to the claimant but what do I do with the other, do I send it back to the court? or send it to my nearest court? Any info/advice gratefully received.
  24. Hello, I received a statutory demand in late Dec 2011 for over £10,000 which was set aside on the request of the legal department of the company pursuing the money. I informed them that I had no knowledge of any outstanding debt or subsequent court proceedings and explained that it must have been a family member who had used the account without my knowledge who had since been witholding the correspondence from me as it was not sent to my address but to my deceased parents house where I had previously lived and where they now reside. The guy who served the statutory declaration told me that the
  25. Hi there, Hands up firstly as i am the original 'bury my head in the sand' type of guy, Whats changed 2 kids in 2 years But as always the ghosts in the closet rear there head hence the reason i am here....after searching loads of posts and info overload i was wondering if any kind person could help. The details: Started in Company in 2005 and moved to Natwest in 2007. Got suckered into the old line your business account is full of activity would you like an over draft. Accepted this and signed a Personal Guarntee for this for 10k. Now i realised the implications of this how
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