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    • Fair enough. But I don't understand why they send these letters. Do people really get scared and end up paying them?
    • That's a blessed relief. They would have been withdrawn because, as I said, they have no evidence that you were driving. That comes from the responses to the requests for driver's details which you failed to send. The important thing is that the speeding charges were laid. That makes life much easier (and far more likely to see a successful outcome). You need to make your SD and serve it on the court where you were convicted. The next you should hear is by way of a "Single Justice Procedure Notice" laying the four charges against you again. You will have three options (for each charge): Plead Guilty and do not attend court Plead guilty and attend court Plead not guilty You must plead Not Guilty to all charges. In the section headed “reason for not guilty plea” you can state that you will offer to plead guilty to the speeding charging providing, and only providing, the FtP charges are dropped. This is a procedure well known to all court users (prosecutors, magistrates and their legal advisors) and is carried out up and down the land daily. I’ll refer to it as “the deal”. Before the pandemic it was necessary to attend court to undertake this deal and speak to the prosecutor (the agreement of the prosecutor is required as the court cannot accept it without that agreement).  However, during the pandemic courts aimed to reduce the numbers of people required to attend to an absolute minimum and most courts accepted a written request to do the deal. Local police prosecutors made an agreement with their courts that the magistrates’ legal advisors could accept the deal. In some areas this arrangement has carried on. In others they have reverted to the old process where attendance was required. So your offer of the “deal” with either be accepted in writing and dealt with under the Single Justice procedure or you may have to attend court. In either event it is important to emphasise that you will plead guilty to speeding only if the FtP charges are dropped.  There may be slight variations to the process depending on how the individual area works but there is no reason why this should not be successful.    
    • Yes thank you dx, my sentiments exactly.  We don't have access to his credit report to see the CCJ.  We were just told by the Estate Agency who he was trying to act as a guarantor for me.......  I can get a free one for a month I believe.  
    • I would say it's snotty letter time. You can do a search on CAG for examples of what other people have sent. Don't make it too polite. HB
    • Ok, received this letter that looks like a letter of claim but it still doesn’t sound too convincing    2024-06 BW Letter Of Claim.pdf
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Old debts soon to be default, pay before applying for mortgage or leave?


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Hi,

 

 

I have 3 debts with Lowell group totalling to £1,400.

 

 

These debts are default 2nd August 2016.

 

 

I have never made a payment or offered to resolve them.

..knowing how difficult it can be to settle debts.

 

we want to make a right to buy mortgage application in July.

People have advised me to leave it but apart of me thinks leaving this debt un resolved may be bad for our application.

 

My husband has one debt totalling to £108 shown on his credit report.

He has another debt for £400 on an unpaid parking fine.

 

What should I do, leave it or contact Lowell and ask for a settlement and pay it out right?

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All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

{the WHOLE ACCOUNT WILL VANISH, never to return}.

.

{however, this does not mean the debt itself is not still owed

consider a CCA request.}

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

.

NOTE: {the bracketed text is not ICO guideline but my advise]

 

 

sorry what are the defaulted dates in the debt summary?

paying will not help your score

nor do any real good.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, thanks for reply. The date of default is 2nd August, so they will disappear on this date? I had this debt in 2010.

 

What would you recommend, I have heard never to contact a debt company over the phone, only in writing.

 

Sorry posted too soon. The debt is with catalogue website shop direct. The site I used Marshall ward is now merged with company very. I think obtaining the debt agreement might be difficult for this reason.

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2nd august what year?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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then as post 2

 

 

paying wont help any:wink:

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Oh...well I guess I should leave it? I'm a little surprised....

 

How come my husbands parking fine doesn't show on his credit report?

 

His default balance of £108 still needs to be payed it will be default in 2017, should I write to the debt company asking to settle ASAP?

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its a fine [council?] they don't show on credit files

 

 

wheres this notion come from that you must pay defaulted debts??

esp if owned by a DCA ..who says its even enforceable?

why do you think the original creditor sold it on?

why didn't they take me to court?

doesn't that even make you think for 2 mins..

they could have crushed little me, a big company like that..

but thy didn't..they sold the debt..urm.. I wonder why....???

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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its a fine [council?] they don't show on credit files

 

 

wheres this notion come from that you must pay defaulted debts??

esp if owned by a DCA ..who says its even enforceable?

why do you think the original creditor sold it on?

why didn't they take me to court?

doesn't that even make you think for 2 mins..

they could have crushed little me, a big company like that..

but thy didn't..they sold the debt..urm.. I wonder why....???

 

 

dx

 

 

I guess I thought it might look better if there would be some way they could see the debts were settled, but who knows what they see when they take into account mortgage apps and old debt...

 

I read in another thread about someone needing to settled something like 14,000 debt for mortgage reasons....I know mines a lot less but I'm just trying to prepare myself for the application, we plan to apply in July.

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don't believe everything you read.

you don't know who the people are

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I would certainly wait until the end of august and check that the default does not show on any of the 3 CRAs before applying

for a mortgage

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

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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Ok, I might try and delay the application.

I'm so concerned over this...if our credit is not so great and the mortgage is not excepted due to this, can we go about getting help to buy our flat?

 

I know we can afford it easily on our wages, but how does it work when someone else buys for you due to port credit?

 

Sorry I wanted to say was financing as a guarantor to help us buy....got a huge headache can't think!

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