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    • Ok so to cut a long story Short I had a massive breakdown in a long term relationship 5 years ago leaving me with large debts. I'm a reformed person now to how I used to be with money and I'm looking to get a mortgage.  I have ignored these debts as I'm aware of the statue barred system.  Sadly the other day I have received 2 pre legal assesment letters from Lowlifes based on 2 old O2 accounts.  I'm aware that the pre assesment is just a threat but it's one I need to take seriously based on my mortgage applications. The drop off date is not till next summer.  It leaves a sour taste in my mouth to set up a payment plan for this although it could be the way forward.  I maybe up for full and final but the accounts equate to £1000 roughly.  Can someone advise me on the best option for these without judging.  I have previously beaten lowlife in court for a ccj based on another communications account I held based on no CCA to prove it was mine although I think I got very lucky as I'm aware it's not regulated under the CCA.  I currently have another CC account which I'm fighting with Roboway via the prove it method for which they have wrote to me twice over the months stating they are having issues with the original creditor.  Sorry for the long read but this is massively important I avoid a CCJ. 
    • sorry I was mixing the wrong CAT provider in there. yes JDW, not SD   so in a nut shell you cant find any payments to JDW or say Littlewoods or any of the JDW catalogue names they provided but can find ref for studio cards [yes express gifts]   so they are trying 2 claim on at least 2 cat debts that are prob SB'd and using AC numbers in their POC that don't appear to match those on your credit file?   what about the studio card details, does the payment ref match the POC AC number?
    • Ok, so I have sat down and done the sums and to say I was a little out on my original debt assessment would be an understatement. The figure I owe is actually ALOT more than I anticipated. Here is the breakdown:   MBNA Credit Card - £3,833.61 Barclay Credit Card - £9,914.02 Natwest Over Draft - £2,241.51 Paypal Credit - £2005.88 Littlewoods - £1287.33 Next - £603.98 Other (This is what I owe a friend of mine who helped me, they said they're not urgently needing this money back and to sort out the rest first but I feel a massive sense of need to repay them) - £7,000.00 Total of Company Debts- £19,886.33 Total Debt with extra money I owe friend - £26,886.33   Thank you in advance for any help and advice. This figure has been very overwhelming and is a massive wake up call for me.      
    • Hi dx100uk Thanks for reply Have downloaded all bank accounts going back to 2012, checked same for JDWilliams/ J D Williams/ Williams and can find no indication of payment at all to any name or similar But Express Gifts ( Studio Cards? ) according to bank statements made last payment ( £35 ) on 24/07/2013. The reference numbers shown by Lowell do NOT match the account numbers shown on my credit file?   Once again many thanks for help Trace
    • When you list your debts, can you include  the approximate month/year you took out the account or loan.  Also when the accounts were defaulted, if you have received a default notice and could not pay the amount on the default notice.   If you have Government debts such as Council Tax, please state the current position.    Are you currently working ? Do you claim any benefits  ? If you are on low income, have you applied for any help. It would be Universal Credit now and not  Council Housing Benefits, unless you have any existing Housing Benefit claim.    
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gazab41

gaz V egg

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egg page 3 note the date is not my handwriting

 

eggpage3.jpg

Edited by gazab41
missing bit

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:!:now today out of the blue with nothing recived since cca request with no access to statments as acording to egg online this is a new account at 0% intrest last time i went online few months ago.

 

today i recived this letter from activ kapital telling me i owed them have recived nothing relating to this account re sale of account and have not paid since apr last year. advice please

 

Untitled.jpg

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You can only write back to them, advising that you have not been told by the OC that the debt has been sold.

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subbing same my date on mine is not my handwriting either from 2002


CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Ok Recived the Following from Activ kapital on 20th May again still nothing from egg telling me supposed debt sold again no egg card account number so it could be anybodys

 

eggrecived20thmay.jpg

Edited by gazab41

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ok recived the following on 5th June along with a what alleges to be a notice of assignment have posted this up exactly as it is as contains no account number or anything personnel

 

egg1stjunerecivedsat5thjunenew.jpg

Edited by gazab41

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So called notice of assignment (unedited this is how it arrived)

 

socallednoticeofassignment.jpg

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Ok today I recived the following Letter again from Activ Kapital still no egg account number anywhere on letter only a 3 letter code followed by 2 numbers as well as the web password number that obviously relates to activ kapitals payment system absolutly nothing on any of their paper work relating to any egg account. does anyone have a decent letter to send them. mine is also one of the old approved limit ccas.

 

eggrecivedtoday.jpg

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Hi. I'm subbing to yuor thread Gaz. I have a similar one going on with Egg/CapQuest (Egg - its no yoke). I am not as advanced in the process yet as have just sent SAR and CCA.

 

Peter said your agreement was enforceable. You say its not; why is that?


Mozzone

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Taking on the bloodsuckers

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Peter would not of even seen the agrement as the photobucket links earlier in thread did not work and the aggrement is one of those with the old approved limit so no prescribed terms the same as PTs court case

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so the old approved limit and no prescribed terms is what invalidates the agreement?

 

Have they issued proceedings yet?


Mozzone

_______________

Taking on the bloodsuckers

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Ok help needed on this one recived demand from tempus sollutions part of activ kapital, no egg number on this just EGC followed by two numbers i.e 28 need a letter to send to these idiots thanks

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