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    • Hello, on 9th of July 2018 I was issued a CCJ for 326£ for a non payment into my Natwest account - 6 month earlier I moved abroad and despite my better knowledge my direct debit with the phone company wasn't properly closed and the Natwest account went into arrears for that amount. As soon as I found out of that matter on 20th October 2018 I settled the amount in full with Moorcroft (the debt recovery agency instructed by Natwest to recover the amount).   When I returned to the UK I was shocked that my credit score was completely depleted - despited an otherwise good record - and that for the following 5 years I won't pretty much be able to access credit and other common financial products regardless of the fact the debt has been paid in full (and despite a stable high salary etc.).   When I contacted Moorcroft in January this year they said they can't do anything about it and the record will stay as is. They said the best they could do was to send me a letter (attached) that I can use as a confirmation that the CCJ was now settled. I was pretty sad and frustrated and shocked that a 300£ debt could put me into such distress (I literally cannot even get a monthly mobile phone plan) and despite having settled it I would carry such consequences for the next 5 years... so I archived the letter and tried to forget about it.   I recently checked my credit report and it states that the CCJ status is still active.   I would like to ask:  - is it really not possible to adjust the CCJ status ?  - are there any actions I can take to mitigate my situation ? - shouldn't at least Moorcroft have sent a more comprehensive letter stating that the CCJ was settled (instead of a generic 'payment received' with no indication of what and why) ?     Note: when I tried to contact Natwest in October 2018 they bounced mee across several departments but ultimately no-one could/would want to help as the account was permanently closed and passed onto debt recovery and they couldn't find much information about my records (apart from saying it's closed and Im no longer a customer of the bank and won't ever be able to be one again).   Thanks, V
    • I hope we can keep this thread for a discussion of SDs. If it descends into a slanging match then there probably isn't much point in having it.   HB
    • phew, just got an email from scmreferrals@justice.gov.uk.    I was worried that because the N180 was 5 days late, they would reject it.    There is still an new default on my credit file for the original amount + court costs. Surely Lowell shouldn't have submitted this yet?  
    • The solicitors have acknowledged my CPR request but have yet to provide anything, no response to my CCA request yet.   I would like to get a defence in before the end of this week, can anyone help me put together a defence?   Thanks
    • There were express terms of repayment of the capital plus interest over 60 monthly instalments.  However, you are saying the Default has no effect, so that when charged-off the interest did not have to be rescheduled?   P.S. It may be irrelevant, I don't know, but I can’t see an acceleration clause in the CCA allowing them  to ‘call in’ the entire amount of interest on the 5 year loan?  Copy of the Ts & Cs from my original CCA attached. Clause 2 (c) refers to interest being charged until settlement, but I’m not sure that is an acceleration clause.   If you have any thoughts on the above they would be greatly appreciated. 20191120102845876.pdf
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Second hand faulty fridge freezer***Resolved***

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Now he's demanding my bank details to pay or hell "go back to court". Told him no chance, there's alternative ways to pay without me giving my bank details. The bank transfer was a suggestion by the judge, wasn't impressed.

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Nice one, he must have known you would win silly man.

 

That will encourage others to not throw the towel in too soon :)

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Nice one, he must have known you would win silly man.

 

That will encourage others to not throw the towel in too soon :)

 

He didn't, he genuinely thought he was in the right. His face when he lost was perfect.

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Even more saitisfying for you then. Let us know when you have received you payment.

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Just had my judgment in the post, he has until Wednesday to pay. He's refusing to pay by any other means than a bank transfer. :-x

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He only requires the account number and sort code, not a lot he can do with that.

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Just had this off him lol must have been on a different court to me

 

"I say f?!' off to bullys ...text me again I will get you for harassment. ...just because the judge taught you a lesson and you did not go your way ....waisted time on your court bundles like a amature ."

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From his text I assume that he's an Oxford graduate in English literature 😂

BTW is this guy from Harrow north west London?

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From his text I assume that he's an Oxford graduate in English literature 😂

BTW is this guy from Harrow north west London?

 

Scrubs???? lol


:mad2::-x:jaw::sad:

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Well you are entitled to the warranty unless you have the receipt. Did you go the shop again and talk to him in person? He might have an electronic copy of receipt saved in his PC/Laptop. Ask him politely to get the issue fixed. I don't think he'll be able to refuse you as the product is still under warranty.

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Well you are entitled to the warranty unless you have the receipt. Did you go the shop again and talk to him in person? He might have an electronic copy of receipt saved in his PC/Laptop. Ask him politely to get the issue fixed. I don't think he'll be able to refuse you as the product is still under warranty.

 

The op has won in court.

Receipt is irrelevant now, he's got to pay up

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The op has won in court.

Receipt is irrelevant now, he's got to pay up

 

That's nice to know :)

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From his text I assume that he's an Oxford graduate in English literature 😂

BTW is this guy from Harrow north west London?

 

Careful now whenever I mock him he accuses me of mocking his "disabled dislexia" 😑

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Careful now whenever I mock him he accuses me of mocking his "disabled dislexia" 😑

 

That's an insult to dyslexic people.

He simply can't put two words together because he's illiterate.

...And you though Cameron was politically incorrect about the migrants 😂 ...

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Just had another off him "*#%* off you bully" 😂

 

Apparently being a con artist that is STILL operating on gumtree with several names and numbers selling faulty goods gives him the moral high ground!!

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I tried to submit his messages at the hearing. One in particular were he said the courts are open to bribery...judge wasn't interested 😒

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Anyone know how info a warrant of execution on mcol? The guidance says you can but there's no option to do it? O_o

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Forgot to update this. He paid to the courts and then they paid me. Ta da.

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