Hamptons/Lowell CCJ threat

[matt1983]

Hi,

 

In 2005 I lived in a student house where there were about 6/7 of us and about 5 or more at least who used to use it is a hotel!

 

A couple of years back I got notification that two 3 contracts were taken out in my name in 2005, and there is a debt totalling about £500 on these accounts.

 

After arguing with 3 about it for ages and not getting anywhere I just let it go because the accounts didnt appear on my file

and they refused to acknowledge the debt wasn't mine, even though they couldn't provide a signature or anything.

 

Now in the past few months I have received a few letters from Lowell, Red and Hamptons threatening court if I do not pay the two debts.

 

I have checked my credit report and the two accounts now appear with defaults from 2006 - so both due to drop off soon (and presumably statute barred?).

 

Not sure what to do here... Hamptons letter in May say they are assessing me for a CCJ.

Is this a standard trick or should I be worried?

I am going on holiday for three weeks next week so if anything happens when I am away will I be screwed?

 

Any advice much appreciated.

[ims21]

When was the last time you made any payment on these accounts (if any) or acknowledged it in writing?

[dx100uk]

ignore them

 

they'd have a very hard time proving it was yours.

and as you say they are going to drop off

if not sb'ed already.

 

as for the threats read them carefully

 

the letters never say WILL

 

every word but.

 

designed to make you contact them

 

dont!!

 

dx

[matt1983]

I've never made a payment because they weren't my contracts, all I know is that they were opened online in 2005 and have defaults in 2006. Someone else I lived with at the time had a contract for vodafone taken out in their name - it wasn't a honest household!

 

I just looked at the last letter from Hamptons and it does say 'may' take a CCJ and then at the end of the letter suggests I pay 50% of the balance to close the matter.

 

I also noticed that Lowell are looking at my credit file with experian every week. So I guess this has something to do with it. Previously I contacted 3 about the accounts but I suppose if I tell Lowell that they're not my accounts they wouldn't believe me anyway - if I should just ignore them I will, but it is annoying getting letters and harassment and worry!

[gordies]

I've never made a payment because they weren't my contracts, all I know is that they were opened online in 2005 and have defaults in 2006. Someone else I lived with at the time had a contract for vodafone taken out in their name - it wasn't a honest household!

 

I just looked at the last letter from Hamptons and it does say 'may' take a CCJ and then at the end of the letter suggests I pay 50% of the balance to close the matter.

 

I also noticed that Lowell are looking at my credit file with experian every week. So I guess this has something to do with it. Previously I contacted 3 about the accounts but I suppose if I tell Lowell that they're not my accounts they wouldn't believe me anyway - if I should just ignore them I will, but it is annoying getting letters and harassment and worry!

 

The mere mention of 50% discount shows that they know they have no chance of collecting this.

 

Do NOT speak to them, just ignore them until they reach SB stage.

 

Their letters are just pure threatograms designed to frighten you into paying.

 

Keep your head low and forget about them.

[dx100uk]

hehe discount!!

 

begging letter

 

ignore them.

 

dx

[postit]

ok thanks guys I will just ignore the letters until November when they will fall of my file.

[MARTIN3030]

ok thanks guys I will just ignore the letters until November when they will fall of my file.

 

Ignore what ?????

Are you on the right thread ?

[matt1983]

thanks dx/gordies... fingers crossed nothing happens when I'm on hols!

[Lee Vodafone Company Rep]

Someone else I lived with at the time had a contract for vodafone taken out in their name - it wasn't a honest household!

 

 

Hi matt1983,

 

Whilst I'm unable to assist you with your concerns do you know if the person you've mentioned here was able to get this resolved with us?

 

If not and you're still in touch with them you're welcome to point them in my direction so we can things looked into.

 

Should they wish to make contact they can do so via the Contact us form here quoting the code WRT135 - CAG Forum in the subject line.

 

Once sent they'll receive an automated reply with a reference number. To ensure that it reaches me could either you and they update the thread with this and I'll get back to them as soon as I can?

 

Kind regards,

 

Lee

 

Web Relations Team

 

Vodafone UK

[NPMBNA]

Can I get a credit report without having to sign up for some monthly thing?? As I know Ill forget to cancel it! Thanks

[PGH7447]

try noodle, its free

[ims21]

Can I get a credit report without having to sign up for some monthly thing?? As I know Ill forget to cancel it! Thanks

 

Noddle is free for life

 

https://www.noddle.co.uk/

[NPMBNA]

Thanks, will this show me when I defaulted on something? Thanks

[ims21]

Thanks, will this show me when I defaulted on something? Thanks

 

Yes it is is a standard credit report

[NPMBNA]

How can I find out what a ccj is for? I have a ccj on my file from my previous address for 6k and I have no idea what it is for. Thanks

[dx100uk]

www.trustonline.org.uk

 

dx

[NPMBNA]

Hi dx and thanks. Ive just done that trust online thing for £10 hope that is the right thing? The list I got from there tells me there is nothing registered for anything??

Any ideas?

The other site I used was a free site mentioned on here as noodle. Cheers

[dx100uk]

trustonline is £2?

 

or did you search multiple addresses?

 

dx

[NPMBNA]

No matter what list I selected it said the fee was ten pound? It didn't do multiple addresses but covered all lists? And it said there was nothing registered. Thanks

[dx100uk]

How can I find out what a ccj is for? I have a ccj on my file from my previous address for 6k and I have no idea what it is for. Thanks

 

but y searched the address the ccj was issued at?

 

is it northampton bulk clearing?

 

dx

[NPMBNA]

No I searched my name and current address and nothing came up. But on the free noodle one doing the same thing it came up with one at my previous address ???

Thanks

[NPMBNA]

Hi dx, any thoughts on this one. Thanks

[dx100uk]

have you moved in the last 6yr

 

dx

[NPMBNA]

No, it was 6 years ago last months that we moved. The ccj was from 2008 for the old address that we left in 2006. Thanks