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    • There have been significant developments today, and unfortunately, they are not good.   Firstly, myself and other people that have looked at and contributed to this thread would have assumed that Lowell would have discontinued, after taking it right to the wire, however, this appears not to be the case.  It looks like they are going for it big style.   Secondly, I was reading the threads last night, a credit agreement exactly the same as mine was taken to Court and a Judge said it was enforceable and the defendant lost the case.  That knocked the stuffing out of me quite a lot.   Thirdly, and most seriously, I was having a word with my line manager at work (who is also a good friend) this afternoon.  He told me (off the record) that I was putting my job at risk if I lose the case.  Apparently, anyone who gains a CCJ is duty bound to declare it and disciplinary proceedings will follow.  I do not work in the financial sector where I know this is commonplace, but I work with confidential and sensitive information and was told that my employer will think that I am vulnerable to bribery and corruption.  Apparently they will take defaults into account, (I did have a couple of defaults when I first started), but a CCJ is a big no no.  I did not know this as I would not have let things get anywhere near this far.  I was told to get this sorted ASAP.  My stress and anxiety levels are now through the roof.   How I wished now I had just arranged that damn Tomlin Order with them a couple of weeks ago.  If I knew then, what I know now, it would have been a "no brainer".  I do not want to gamble with my job. Where I live, jobs are very hard to find.  I could end up jobless and homeless for just one "appointment" with the Judge.  I simply cannot take the risk.   So where do I go from here?  Is it too late to go for the Tomlin Order as the hearing is on Friday.  It would solve all of my problems at the moment and help me keep my job and my home.    I have no savings, no property and my reasonable expenditure is just about my income, so they could not get much out me.  Perhaps £10 a month is the maximum I could afford.  I feel now I have burnt my boats and I am at their mercy.  I absolutely hate them with a passion.  But I also hate myself, as I should have researched fully the consequences of my job.   Is there any way I can sort this mess out before it's too late?  Any ideas would be most welcome.  
    • Did you sign a personal guarantee? Have you a copy of the ccj? is it in your name or the ltd company name?   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=Limited company ccj&oq=Limited company ccj&gs_l=partner-generic.12...23159.34137.0.36634.19.19.0.0.0.0.308.4270.0j3j15j1.19.0.gsnos%2Cn%3D13...0.10977j7667391j19...1j4.34.partner-generic..19.0.0.OY00NBTWR3U
    • Thanks dx100uk  ....  Thought not, but just checked to be sure and no neither one used ...  A parking/penalty slip, and in just the above post only.
    • Admiral probably won't offer near £3600. They are most likely to offer lower end of value shown in Glasses guide. Then you will have the excess deducted from the amount.   Always up to policyholder to negotiate the market value by providing evidence of similar cars for sale locally. Details of condition of the car pre accident etc.    Depending on the damage you can always get a local garage or AA/RAC to carry out an inspection and report on damage/costs of repair. But they may charge you and the Insurers won't cover costs of your inspection report.   Insurers don't mess around with repairs over a certain value, as can be a pain, as they would be liable for more repairs if policyholder unhappy after initial repair or damage was missed.   The £100 injury cover i thought was not cover for actual injury. I thought this was cover if you incurred costs due to be injured e.g. ambulance call charge.    Cannot really criticise Admiral as what you have been told by them appears to be correct. Unfortunately most people don't realise how Insurance works until they need to claim.
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Mike J 1973

Amex

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I have tried a couple of times to send CCA request to Amex, but they never get signed for. I am sending them to

 

American Express

Services Europe Ltd

Department 871

Brighton

BN88 1AH

 

Is there another addrss I could use, or another way to get the request there as without proof they have got it I dont think I can use the 12+2 time limit.

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use the address on any letter that is chasing you

then keep proff of postage

 

if you've done that

 

and the 12+2 has passed

 

stop payments and fire off the a/c in despute letter

 

dx


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Cheers DX

 

Just so I am sure i have this right, as I have proof of postage, i.e. the receipt I have from posting the letter that was meant to be signed for, that I can work the 12 + 2 days from that??

 

I have sent a few letters than need to be signed for, that have never been signed for, but I know they have got them as I have had replies etc. I am guessing they get so much post the postman dosent bother with the signature!

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not your problem!

 

they'll soon take notice when you stop payment

dx


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Hi,

I'm hoping somebody can't point me in the right direction please

 

I got into financial distress sometime ago but have been in a self administered DMP.

 

I had arrangements set up with all parties and all payments were being made on time.

 

However there appeared to be no light at the end of the tunnel so to speak as it was going to take 22 years to sort the mess out and eventually looked to enter an IVA.

 

The IVA was rejected by my largest creditor so I have gone back to my DMP.

 

However this is when an issue regarding Amex occurred,

I had been dealing with NCO Regain for a couple of years

but then came along Allied International Credit saying they were now dealing with it,

but NCO kept contacting me saying they were.

 

I told them both until Amex wrote to me to tell me who was dealing with it the account was in dispute.

 

I never got confirmation from Amex so I stopped paying,

 

I have written to Amex three times,

on the first two occasions I got letters back saying it was being investigated but never got a further response.

 

I then started getting calls from Amex so I again stated that I wanted in writing who I had to deal with but got nothing.

 

Then a letter turned up offering me a 50% settlement discount,

however I received the letter after the expiry date of the offer.

 

I called and explained again and was told I would be emailed confirmation of who to deal with, but of course no email turned up.

 

I have again written to them at the Brighton Address and also sent a copy to their CEO at the London address.

Both have been signed for on delivery but I have had no reply yet again (about 3 weeks ago)

 

Should I just do nothing?

They havent registered a default against me but when they call they keep threatening to.

 

I'm happy to put it back in my DMP, but I don't know who to pay.

I could really do without a default as it will set my credit file back a couple of years as everybody else I defaulted on registered defaults in 2014.

 

Any thoughts would be very welcome.

 

Thanks in advance.

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old and new threads merged for history.

 

why did you enter into a DMP with them when they faiied your CCA request from 2010?

 

dx


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who said that?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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My memory from 2010 is a little hazy but I think I posted it somewhere and it had all if the prescribed terms etc

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NCO and allied are simply DCA's

they are not bailiffs and have no such legal powers

 

I question why you are even bothering with them and why you are talking on the phone to them....

 

you are being cash cowed,..

 

who on their letters is quoted as 'their client'??


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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I'd have the check my last letters, are you suggesting I should do nothing?

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answer the questions


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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you have made no posts on cag whereby you have asked if the CCa return you got for this card is enforceable


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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As I say my memory is a little hazy from back then but I definetly got some advice at the time that suggested the CCA was fine, I can't remember where I got the advice from I'm afraid.

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so post 10 then please


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Single Premium PPI Q&A Read Here

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I can't find any reference on the letters from NCO or AIC that mention their client, however today Amex have got back to me and told me

 

''Your account is currently with our agent, FirstSource LLP'

 

I have never heard of or been contacted by this company, not really sure what to do. Do I just put them into my DMP?

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when did you last send the OC a CCA request?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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send a new one to whom ever last chased for payment which was?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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That was Amex when they sent a 'settlement offer' of 50% off and pay over 2 years.

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something is really wrong with the account if the OC are offering 50% discount.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I stopped proper payments in 2014 and moved to a DMP, my last payment from my DMP to it was in September when I had two DCA's asking for payment and I have been trying to get clarification of who to pay ever since.

 

It appears the account was returned to Amex who then wrote and offered a 50% settlement (payable over two years) I was tempted to take this offer up to get it all sorted but I'll send a CCA request and post the reply (if there is one)

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the account has always been owned by Amex

those DCA's are just chasers not debt buyers


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Would you suggest going for the CCA or trying to take up the 50% offer (which is expired)?

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