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    • Hey guys,   I was using a utility supplier for 18 months. Every month, paid my direct debit on time. One day, they reviewed my account and said they had miscalculated my energy consumption and I now owe them £900.    I switched energy suppliers straight away as a consequence.    I am now being contacted by UK Search Limited by phone, email and text message. So far, I haven't responded and don't intend to.   I've checked my credit file. The account with the original utility supplier is closed and settled according to Credit Karma.    So what should I do with UK Search Limited? As far as I see it:   Completely ignore them until they go away (my preferred option) Contact them in some way and dispute the debt   I would be very grateful for any advice on how to proceed. I currently have an excellent credit score.    Thank you,  
    • Afternoon guys.   Just received the following from the dealer I purchased from:   Dear Mr Fish.   Sorry to hear you are experiencing problems with your car.   Unfortunately my contract of sale on this vehicle is with CarMoney Ltd and any issues or complaints will have to come from them. You can contact CarMoney on 0333 4564550 you will need your finance reference number for security.   Kind regards David Wickes GCS Cars Ltd
    • Hi  Has anyone recently had any joy with claiming or at least getting a hold of these people I got a car with them back in 99 and was definitely mis-sold PPI  Tried to claim through a 3rd party but they have said that they no longer have them on their list - I had to state Direct Auto Finance and Provident Financial who were the underwriters i believe    Really need some help    Thanks 
    • Hi,sorry .The Gararge is called Jordan Motors House Ltd. Is there any thing else you would like to know?
    • Lowell Portfolio 1 Ltd   Date of issue 16/08/19.     Particulars of Claim   What is the claim for – the reason they have issued the claim? 1. The claim comprises the following agreements the defendant entered into a. Talk Talk telecom Ltd with reference (Account Number) and current balance 485. b. Vanquis Bank with refrence (Card Number) current balance 596 The agreements were terminated as payments were not maintained and subsequently assigned to claimant. and the claimant claims. a) the total of the said sums being 1080. b) interest pursuant to s69 county courts act 1984 at the interest rate of 8% per annum from the date of assignment to the date of issue. but limited to one year, being 7 C) Costs     What is the total value of the claim? 1317   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card and landline/mobile   When did you enter into the original agreement before or after April 2007 ?  no   Do you recall how you entered into the agreement...On line /In branch/By post ? card on line / landline mobile by phone   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? yes   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? yes   Did you receive a Default Notice from the original creditor? cant remember   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? yes   Why did you cease payments? on the vanquish card because my wife lost her job and at the same time so did my son so all household bills became my responsibility. the talk talk was canceled by me , due to at least two data breaches ant the mobile was canclled as it was a monthly contract I no longer needed but they carried on charging me for a further 4 months claiming I did not cancel it correctly   What was the date of your last payment? 2016   Was there a dispute with the original creditor that remains unresolved? yes to both   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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jayne_marsh

Not providing credit agreement.

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Hi,

 

 

I need some advice please, i know u must get many saying this each day so understand if it will take a while to reply.

 

 

Unfortunately i had a judgement placed upon me by a debt collector, i was very unwell at the time and i stupidly just ignored it as had more important things on my mind, plus medication at time gave me little energy to even fight this.

 

 

This is from 2011.

 

 

I now only felt strong enough since late last year to try and fight for it, i asked the company in question to prove that i owe this debt, they claimed they were having trouble locating my file and they would need more time, this went on for about 7 months.

 

 

After i sent template letters asking them to remove it off my credit file because they cant provide evidence, they took months again to bother replying as they claim there legal team is looking into it.

 

 

They finally got back to me stating : As Judgement was granted on 15 May 2011, we are no longer required to provide to you any documentation relating to the debt.

 

 

Im confused as previously they said they would and that they are trying to locate it.

 

 

Does anyone know what i need to do next?

 

 

Going to Court will be quite stressful for me but i guess it will be the only way to ask for it to be set aside as it seems the debt collector is now refusing to now cooperate

 

 

thank u

 

 

Jayne

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Hi jayne

 

Welcome to CAG

 

The guys will advise as soon as they are available.


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have a read of this, as a ccj has been granted they are correct in saying that a cca request no longer applies.-http://www.bdl.org.uk/images/12_EW_NDL_Setting%20aside%20a%20judgment%20in%20the%20county%20court.pdf


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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Indeed, if there has been a judgment obtained then there is no requirement to provide an agreement as the Judgment becomes the new agreement.

 

Do you believe you would have been able to defend the claim had you not been unwell ?

 

Sorry to be so nosy, but did this illness last for 2-3 years - as courts generally get a bit sniffy if you try to set aside after such a long time ?


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