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    • lowell didn't register the default voda did upon or before sale, don't forget a debt buyers name simply replaces that of the OC upon sale on credit file or a duplicate entry for the debt appears under the buyers name.   the BT debt will most probably be for the return of the router as they charge an equipment fee if you don't return it, the debt you paid would thus have probably been for BB/line usage/calls.   as for the N244, if successful, the claimant may or may not request a new hearing after the reset to as if you'd just received the claimform, it's then you could use our std defence here etc etc.    now having the complete picture we can understand why you want to do this but unless you have concrete written evidence you informed lowells of your correct address prior to the claimform issuance nov 2020 on both debts you sadly IMHO have little chance.   what is on credit files or where you are registered to vote or pay CTAX is not that neither are emails in the year after the default CCJ   to set aside you at least need to meet 2 basic criteria: 1. proof the claimant purposefully filed to an old address when they had been informed in writing of your correct address at the time of issuance of the claimform.   2 a very brief defence that outlines why you do not owes the sum claimed.   sadly i see neither     
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    • Very smelly !  i am surprised that the Police have not been called in to investigate some of the allegatiions that have been made over recent months.    The amount involved for the polling appears to be £580 k and not £580 m
    • @rgaineBe careful, as have read of people trying to ignore service of Bankruptcy petitions before and they have been made Bankrupt,  after the Court was satisified with the service attempted with papers posted through letterbox of known UK address.   As dx says, you will need to deal with this now
    • I honestly don't know. I contacted them in 2018 as they randomly registered a default on my file for Vodafone. They said they had information from Vodafone from the point of sale when they purchased the debt that I owed it. I disputed it and that is as far as it went. They were going to take me to court for the BT debt too in 2018, but I settled and paid it in 3 instalments. I don't know where they have pulled this new BT account from. When I query them about it they just said it is equipment charges that I verbally agreed to.   I understand I should keep creditors up to date with my current address but unless I send prospective letters to every company who I ever had any kind of interaction with it just won't happen. I'm on the electoral roll at my current address and have been for previous addresses. My bank and other debts know where to send letters, as do Lowell in relation to another debt that I do not owe from British Gas for the same address in 2016. All these debts are coming up to being statute barred from a period of unemployment in 2016.   I still don't know what the procedure for the defence is, whether the evidence is required at the set aside hearing or the hearing after the claim is re-brought. I also need to put to the court the fact that I work for a company that's regulated by the FCA and if a review were undertaken by my employer I would lose my job that I have had for the past 5 years. There is some guidance or precedent written somewhere in the annals of legal seagulls that if the judgement has an unintended disproportionate impact on the claimant then it can be removed on the credit file. I don't know how to prove this though short of asking my boss for a letter that says that I'm going to be sacked for informing them, or how to put it to the court.    I'm not doing this to clean my credit file for a mortgage application, or for any other related reason on my credit file, just to keep my livelihood. I would happily pay the judgement and have it behind me, and would have if I had received the forms.    Also it irks me that it is fine for companies to bundle up completely different issues into one claim. What is to stop them just bulk buying 50 debts for some poor bastard and serving them with a mammoth claim. Probably the character limit at Northern Bulk.   I'm not feeling sorry for myself here, I've made poor decisions with my finances and owe some debt. This is a debt that I don't think I owe and is going to ruin my life if it is found by my employer. Hence why I am willing to pay the £255 even if the CAG'ers think its a shaky application.    It has to be done seen as Lowell won't consent to it in return for a payment in full. 
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Natwest and my Cheques


fredngeorge
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Hi

 

I paid in two cheques into my current account yesterday 1 x £6.68 and 1 x £100 both from solicitors, I paid it in one of those quick deposit envelopes and it was approx 14.45 which was before the 15.30 cut off time

 

This morning I have checked my account and only 1 of the cheques are showing (of course) the one for £100 is not showing,

 

I called the branch and they advised wait for a couple of days to see if it appears I am concerned as they wre both in the same envelope with the account details and sort code

 

£100 is a lot of money for me to lose right now does anyone know what I should do and if it is lost will I be able to get it back

 

Thanks

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£100 is a lot of money for me to lose right now does anyone know what I should do and if it is lost will I be able to get it back
Yes, you can get the solicitor to cancel the original and then re-issue another, but wait a few days until NW see what's happened.

 

Keep an eye on them though because if they manage to find it after it's been canceled they may pull a fast one and try and charge you for a 'bounced cheque'.

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I would go straight into the branch and ask why if they where both in the same envelope where they not processed together? I presume that only one deposit slip was used.

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Thread moved to Natwest Forums.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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This bank really is not as clever as it seems. You need to use a deposit per cheque you pay in and even if you pay in cash through their quick pay. Never pay in cash/cheque deposits as the bimbos will automatically get confused and delay the deposits by days.

So whats cooking today ?

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  • 10 months later...

Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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