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    • Yes, my initial view is that @unclebulgaria67 is probably right and that because it was a magistrate's warrant, it would be the energy company that would have been in control of the situation directly. Unfortunately this will be much more difficult to deal with then dealing directly with Marston but anyway if you give us your details as requested, we can at least get Outlook from that direction as well. I'm also wondering about the position of your landlord in this. As you have taken up a tenancy in a particular property then I would have thought that one of the terms of the tenancy would be that you should be entitled to quiet enjoyment. Although the landlord may say that it is not their fault and it is down to the previous tenant, at the end of the day you have a contract with the landlord who has certain responsibilities. I think we may consider involving the landlord in this as well. You say that there have been letters addressed to the previous tenant. What have you done with those?
    • Yes please. We have certain direct access to Marston and we may be able to get someone to look at this at a senior level. Please email us as requested with your own contact details and name of previous tenant.   We can't guarantee any particular result but we can promise you that it will be looked at.
    • they say in letter dated 20/01/20 that the agreement was terminated on 30 July 2017 and cannot be terminated twice, so your VT request is invalid. startline issued termination or Default notices on the following dates: letter: 30/03/2017 termination notice  liable for payment: arreaers to date : £365.38 the balance of: £10,586.50 total: £10,951.88 7 days notice else ROG+sums outstanding. ....................... Letter: 11/12/2017 Default Notice nature of breach: instalments of £211.73 due 30th each month. action to remedy: payment of arrears £449.23 by 30-12-17 other info: payments to date: £5226.91 outstanding: £9351.89 less rebate: £2251.41 Amount Due: £7100.48 if you act before 30-12-17 and have paid £7056.90 you can VT. ............ Letter: 27-07-2018 Default Notice refs a dn dated:31/05/2016 - there is no such DN in an SAR return. nature of breach: instalments of £211.73 on 30th each month. action to remedy: payment of arrears £226.73 by 15-08-2018 other info: on or after date 27-07-2018 we shall terminate,withdraw possesion and recoversums due upon termination. total paid: £6250.91 outstanding: £7647.28 less rebate: £1590.47 Amount Due: £6065.81 if you act before 15-08-18 and have paid £7056.90 you can VT. ........................  letter: 01-10-2018 termination notice  liable for payment: arreaers to date : £325.06 the balance of: £6079.75 total: £6404.81 7 days notice else ROG+sums outstanding. ……………………...     NEW ORDER STATEMENTS.pdf Doc1.pdf
    • thank you.   have you had issues paying credit before you took any of these out?   i'e were you keeping a good handle upon your credit file and it wasn't shot with any defaults or payment markers during the period when you applied and were successful in getting any of this additional credit?   my thoughts are ...should the above not be the case and your credit worthiness was good... so couldn't p'haps introduce some irresponsible lending complaints in association to them … it might be an idea to give all your creditors the heads up that times are hard and you wish them to help you, as they are duty bound to do, by freezing interest and any penalty fees to allow you to ride out this present financial hardship till things improve ...   how does that sound...   dx  
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Hi

 

I had a CCJ made against in 2008 by a DCA company

 

I think this debt is wrong

 

can i still take it back to court or is it too late.

 

The debt is paid off

but thay cant tell me who they bought the debt off

and i dont now were its from

 

I just went along with it as they were trying to make me bankrupt

 

i had a lot of debt but didnt check every thing,

 

what I need to now is ,if they cant produce a signed credit agreement

 

can I chase them for the money I paid them.

 

Thank you.

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The debt was established in law by the CCJ. At this point in time that means that a credit agreement (in fact the Consumer Credit Act) does not apply.

 

You would need to get back to the position you were in before the CCJ if you were to start looking in to the validity of the debt.

 

I am not an expert so I cannot tell you if too much time has passed, but I do know that you would need to get the CCJ "set aside" to do this.

 

If it was me, I would mark it up to experience and move on.

 

It will drop off your credit file in 2 years.

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Didn't the PoC give a clue to the debt when you first got the papers?


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I think I would agree with Bandit in this respect - I think you might have left it too late.


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Thanks probably but had that many debts and dca chasing me you carnt always keep track of them

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Thanks every for your replies yes i may have to let this one go I ll see how fare I can take and let ya now.

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I think you should still question the DCA as to what this debt is about.

 

You may need to SAR them to get all the info they hold on you.

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I think I would agree with Bandit in this respect - I think you might have left it too late.

 

Totally agree. A Set aside application must be made 'promptly'. An application two years down the line is highly likely to be refused.

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