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    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
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Equidebt chasing old Abbey Debt


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Hi everyone received a letter from Equidebt demanding nearly £1800 for a very old Abbey National debt. To be honest i'm not sure if it's an old overdraft or loan from when i worked for them. It's def SB i left them in 2001 & never heard anymore from them & haven't changed address. Do i just ignore equidebt's letter, or reply with a SB one. Thanks

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  • 2 months later...

Update having sent a SB letter to equidebt, I then hear from Robinson way concerning the very same debt. Another SB sent to them & they replied that they would look into it. Today I receive a four page print out which they claim are payments from me, some are supposedly S/O & some are cheques, also listed on this never ending print out is warrant of execution fees & costs & default fees & cost. Can I just add I have never been to court regarding this & there is nothing on my credit file. Can some one advise please

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  • 2 weeks later...

Have checked online no ccj against me for this debt. I wrote back to robinson's request information i.e sort codes & account numbers that payments were made from & also court name where the court cheques were issued from. Today I've received a response saying that I need to contact their client (Abbey) for that info, but can I forward my offer of payment in the next 14 days anyway. Should my next step be to CCA robinson's?

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If a CCJ was issued and has now been removed from CRA files after 6 years then judgement cannot be enforced anyway, even if they tried to restart the claim it is practically certain that any such application would be denied by a court.

I suggest a SAR to Abbey is the next move.

Meanwhile send RW this version of an account in dispute letter.

 

The Compliance Manager

RW.

 

Ref : use theirs.

 

Sir/ Madam,

 

I refer to a letter from RW dated xx xx xxxx regarding an alleged debt for £ xxxx .xxx originating from an account with Abbey, please take note I do not acknowledge any debt to RW or its ''client'' Abbey.

 

Having reviewed my credit files and my credit history I have concluded that IF a County Court Judgement has been made against me the 6 year period allowed for judgement to be enforced has passed and I am sure RW is aware that ''no action to enforce the judgement shall be brought after 6 years have elapsed''.

 

I suggest that RW now closes the file on this matter and returns it to its client immediately.

 

For information I am making a ''Subject Access Request'' under the Data Protection Act 1998 to retrieve all data relating to this account from Abbey, please be aware that I will not communicate further with RW regarding this matter.

 

Send by RM recorded/signed for delivery and check delivery date.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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I would be reporting them to the OFT as well for generating false information to try and get payment under false information and misrepresentation.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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