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    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
    • 2. Is correct disregard 1. You must attend ad per the order 
    • Confirmed with Central Contact Centre that the hearing is 24th, disappointed I can't speak directly with the local county court I have to email the local court apparently is the only way. The agent couldn't explain the discrepancy between the two letters, she sounded very confused. If they were identical letters in wording but only dates were different I would feel ok, slightly worried the wording differs...
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Starting to face up to reality!!


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Well the last use/payment or acknowledgment

on the BH is Nov 2004 what is the default date

on your file??

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Emm another question what is the company

named as placing the default it is not unknown

for DCAs to claim that the default date is when

they aquired the debt which of course it is not.

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ummm dont think i can get that from credit file info - I just logged back in it doesnt say the debt has been sold on - the Barclays one does - it says The account and liability has been transferred to another company. but god know what company!!

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ummm dont think i can get that from credit file info - I just logged back in it doesnt say the debt has been sold on - the Barclays one does - it says The account and liability has been transferred to another company. but god know what company!!

Which CRA are you using.?

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That is odd.on one main CRA and not the other

and no refernce to a default date.

My opinion now is that you need to do

a Subject Access Request under the Data Protection

Act 1998 to get all the info BH hold on the account.

Default date/last payment date and who owns it now

Cost is £10 they have 40 days to supply the info, use

template in CAG library.

WE may yet get a result on this Paul.:madgrin:

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Hi Pasetos there are a number of anomalies here,

one CRA shows it at assigned to third party, the

other has nothing, with the amount of the BH

account I would expect entries on both.

It means or could mean the default is now past

6 years, (not the same as SB)

SB date is usually at least 1 month prior

to the default date.

It is not impossible that this one is now out of the

picture.

Edited by citizenB

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am I opening a can of worms writing to them?

 

No, all correspondence is headed ''I DO NOT ACKNOWLEDGE ANY DEBT

TO YOU OR ANY COMPANY YOU MAY CLAIM TO REPRESENT''

A lawful request for information is NOT acknowledgment of liability

of the alleged debt.

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Hi Pasetos the ''mythical credit score'' 3 numbers that really are

just meant as a day to day indicator of the likelyhood of you

being granted credit, don't rely on it potential lenders certainly

do not.

It's the account entries/searches/ public info etc you need to

look at.

Particularly any defaults (date of default/date last payment).

On another site you may be ''poor'' or ''good''.

Edited by citizenB

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