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    • When it comes to animals my heart is just shallow. Sorry to hear that.
    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
    • Plevin is not a calculation. its a refund of commission they got as they had a backhander of greater than 50% of the PPI sum paid for selling it on behalf of the insurance company that underwrote the PPI policy.   you are after reclaiming the PPI itself. and that is what all our PPI stuff is geared too.   have you still a copy of what you originally sent though as you don't even KNOW what plevin was , how could you have ever have asked for it.!!   pers i'd write back. (you seriously need to stop talking on the phone!!) stating quite clearly that you REJECT totally their refund under the Plevin Rules. my Claim was to reclaim the PPI a paid, not for a refund of your hidden commission!!   i give your 14 days to refund inline with the enclosed spreadsheet , else i will raise a complaint without further notice to the FOS.   please reply in Writing Only.            
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
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      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
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      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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CCJ and Victim of Domestic Violence


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Friend left her marital home in mid-2008, a victim of domestic violence.

 

Her name was changed by the court, (to protect her) at the same time as her divorce was finalized.

She is now trying to get a small mortgage, but has been refused on several occasions.

 

On checking her credit rating, we've found that a CCJ has been applied against her previous name and that this is now linked to her new name. This was a bit of a surprise, considering that the court changed her name on all official/government documents!

 

I think she has a good case to overturn the CCJ, because she wasn't at the address given in the CCJ, (even Callcredit have her at a different address before the CCJ was issued!), but how can she (if she can!) unlink the addresses?

 

She is worried that her ex-husband may now be able to discover her new name, he is very violent with convictions for fire-arms offences.

 

Thanks in advance for advice.

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change of name usually doesn't avoid credit checks/worthiness/bankruptcy/ccj etc.

yes, if there are poss grounds for setaside then could apply eg http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=12_how_to_set_aside_a_judgment_in_the_county_court. it would then revert back to the initial claim.

one poss way to 'unlink', could write to cra's advising no financial link with addresses in issue. and, any incorrect info can be requested to be corrected. problem is that previous addresses are noted until someone has been at a current address for a certain period of time. her cra details should only be available to her, and anyone legitimately checking the files. any checks should be recorded by the cra.

if there is a warranted security risk then the police should be able to assist.

Edited by Ford

IMO

:-):rant:

 

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