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    • Hello, on 9th of July 2018 I was issued a CCJ for 326£ for a non payment into my Natwest account - 6 month earlier I moved abroad and despite my better knowledge my direct debit with the phone company wasn't properly closed and the Natwest account went into arrears for that amount. As soon as I found out of that matter on 20th October 2018 I settled the amount in full with Moorcroft (the debt recovery agency instructed by Natwest to recover the amount).   When I returned to the UK I was shocked that my credit score was completely depleted - despited an otherwise good record - and that for the following 5 years I won't pretty much be able to access credit and other common financial products regardless of the fact the debt has been paid in full (and despite a stable high salary etc.).   When I contacted Moorcroft in January this year they said they can't do anything about it and the record will stay as is. They said the best they could do was to send me a letter (attached) that I can use as a confirmation that the CCJ was now settled. I was pretty sad and frustrated and shocked that a 300£ debt could put me into such distress (I literally cannot even get a monthly mobile phone plan) and despite having settled it I would carry such consequences for the next 5 years... so I archived the letter and tried to forget about it.   I recently checked my credit report and it states that the CCJ status is still active.   I would like to ask:  - is it really not possible to adjust the CCJ status ?  - are there any actions I can take to mitigate my situation ? - shouldn't at least Moorcroft have sent a more comprehensive letter stating that the CCJ was settled (instead of a generic 'payment received' with no indication of what and why) ?     Note: when I tried to contact Natwest in October 2018 they bounced mee across several departments but ultimately no-one could/would want to help as the account was permanently closed and passed onto debt recovery and they couldn't find much information about my records (apart from saying it's closed and Im no longer a customer of the bank and won't ever be able to be one again).   Thanks, V
    • I hope we can keep this thread for a discussion of SDs. If it descends into a slanging match then there probably isn't much point in having it.   HB
    • phew, just got an email from scmreferrals@justice.gov.uk.    I was worried that because the N180 was 5 days late, they would reject it.    There is still an new default on my credit file for the original amount + court costs. Surely Lowell shouldn't have submitted this yet?  
    • The solicitors have acknowledged my CPR request but have yet to provide anything, no response to my CCA request yet.   I would like to get a defence in before the end of this week, can anyone help me put together a defence?   Thanks
    • There were express terms of repayment of the capital plus interest over 60 monthly instalments.  However, you are saying the Default has no effect, so that when charged-off the interest did not have to be rescheduled?   P.S. It may be irrelevant, I don't know, but I can’t see an acceleration clause in the CCA allowing them  to ‘call in’ the entire amount of interest on the 5 year loan?  Copy of the Ts & Cs from my original CCA attached. Clause 2 (c) refers to interest being charged until settlement, but I’m not sure that is an acceleration clause.   If you have any thoughts on the above they would be greatly appreciated. 20191120102845876.pdf
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Capricorn1601

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My awaited cca has now arrived, after two attempts to stall by egg, asking for my signature.

 

Could someone please take a look and give me some advice.

 

The agreement is 1999/2000 but is not 100% legible, I think this is from micro fiche so they may not hold the original document.

 

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There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Yes they sent pages of T&Cs, but these may be the current ones as they clearly werent from microfiche. Yes I had one of the agreements which was terminated last year. To date I am not in default and never have been. I have a DD in place.

 

 

What should I do next?


There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Yes they sent pages of T&Cs, but these may be the current ones as they clearly werent from microfiche. Yes I had one of the agreements which was terminated last year. To date I am not in default and never have been. I have a DD in place.

 

 

What should I do next?

 

your call now, you will have to decide if you can carry on paying it and live the quite life or if you are struggling to make ends meet like lots of others on here go for unenforceable agreement.

 

but have a good read around the forum its going to be a rough ride.

 

cds

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I bit the bullet and sent them out the letter which basically say, this is unenforceable as it doesnt have the prescribed terms, so write off my debt.

 

Just sit and wait now.


There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Hi

 

Just got an acknowledgement back:

 

sorry you've had reason to complain.... la, la, la.

 

Please can you assist us by loggint into your account via the website and checking the contact information we hold for you is up to date (so we can set our dogs on you!!!)

Give us 8 weeks to find an excuse as to why you should keep paying us and give us the full 8 weeks as this will mean you have to pay us twice more at least.


There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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I have this same letter 4 times now, don't be surprised if they answer half your letter with irrelevant nonsense-answer a question you didn't pose and then close your complaint lol.

 

Seriously though it isn't funny.

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I've had another one since...

 

blah blah we are still investigating


There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Well, at least we are keeping those employees who are "investigating" in a job.

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ok seem to remember back in the early days having to pay what I think was PPI. Looking back at my agreement I can see anything which would indicate I agreed to it. How do I find out if my memory serves me well and I can claim back teh PPI?


There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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