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    • I think it was from 18months ago.    You’ll probably think I’m fussing again but I’ve got a feeling they’ll take mine further due to the shear amount that is owed, I’ll be astounding if they don’t. 
    • as I said read the date of the thread many moons ago.   its not illegal either, debt is a civil matter not a criminal one.   dx  
    • Hi Andy   Thank you for the link, it was very helpful, appreciate it.    I was actually made to feel quite 'stupid' and felt as if i was wasting the forums time on this thread after DX's comments in post #38.      Please see attached the necessary documents, please do let me know if you require anything else, many thanks.   Files attached:  - Default Notice   - statement of Default Notice  - Reconstituted Agreement & T&Cs - 3 different sets   P.S - sorry about the quality of the T&Cs, the high quality files were too large and had to reduce them.   Thanks, Roland   Exhibit JK1.pdf
    • If it’s so easy to get shut of a PayPal negative balance how come everyone doesn’t do it as such? I guess it’s morally wrong but not illegal!?    I read a thread were a PayPal employee said “paypal WILL take you to court and WONT let it lie, they have a specialist team that chase negative accounts over a ceratain amount which I’ll defo meet that criteria 
    • date of claim 14th November (2019)   What is the claim for – the reason they have issued the claim?  1) The claim comprises the following agreement the defendant entered into: a. JD Williams & Co with reverence 1234567 and current balance of £559.77 The agreement was terminated as payments were not maintained and subsequently assigned to the claimant. And the claimant claims: a) The said sum of £559.77 b) Interest pursuant to # s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one year, being £44.ui c) Costs   What is the total value of the claim? £735   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes  Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue   When did you enter into the original agreement before or after April 2007 ? Before   Do you recall how you entered into the agreement...On line /In branch/By post ? I think by post   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser - Lowell   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Couldn’t afford the interest    What was the date of your last payment? Over two years ago to the DCA   Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes
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whipsey

help needed to get out of debt

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hi ive finally come to the decision tha i need to sort out my debts now as the charges are stacking up badly. Only problem i have is where do i start? the big debts or the smaller ones?

 

i'm planning on drawing up a list of people i owe money to so that i can start contacting them to get arangements in place but not sure how to go about it

 

any ideas?

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would it be a good idea to have a sit down with citizens advice and see what they can do to help me?

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I suppose you could, although the cag provides experience based advice almost on demand. CAB offices, from the little I know, aren't open that much.

 

To get help here, if you post what the debts are without too much detail, then you'll get loads of good help.:)

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the two that are bothering me at the moment are credit cards with lloyds and barclays both have had excessive charges added but im not sure if they can still be reclaimed as this would clear a large amount of my debts

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Well I think that sounds like "Bread and Butter" stuff for CAG.

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What's the situation with the accounts?

 

Edit :is one of them mentioned in another thread?

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i stopped paying both due to having no work they both have overdue payments one is approx 450 over my credit limit the other was meant to have the interest frozen but then it was unfrozen again

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need to get up to date ones sorted as its been a while

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Hi whipsey.

 

First thing I would suggest is doing an Income and Expenditure excerise. I particularly like the sheet on the National Debtline site (google it).

 

You can fiddle around with it and work out what you can reasonably afford to pay. It gives clear suggestions on priority debts etc which come first. You can make your offer of payment based on what's left and it will work it out for you on a pro rata basis.

 

Hope this helps.

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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No ..... not statements:)

 

The original ccas (credit agreements).

 

The ones you signed.

 

The basis on which these dcas are pestering you.

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Pinched this link off of another thread for you (thanks esma);

 

The amount you pay is up to you what ever you can afford should be split between your creditors on a pro-rota basis. There is a personal budget sheet that you can use here.

National Debtline England & Wales | Personal Budget Sheet

 

That is of course if the card people have a correct CCA for this account. You could send them a copy of the budget sheet if you wish but you dont have to. You decide what you want to pay and pay it if they agree or not. Also dont pay by DD or give them a debit card payment set up a standing order or get a payment book off them.

 

Also, are your credit cards related to your bank i.e. Barclaycard and a Barclays bank account? If so, tread carefully - move bank if need be. If not, then happy days!

 

Good luck

 

M

Edited by MandM
typo. fat fingers

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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both cards are lone accounts now after lloyds kept diping into one account to pay it

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not yet i'll be sorting the printouts to request the ccas requests this weekend

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