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    • Ok so to cut a long story Short I had a massive breakdown in a long term relationship 5 years ago leaving me with large debts. I'm a reformed person now to how I used to be with money and I'm looking to get a mortgage.  I have ignored these debts as I'm aware of the statue barred system.  Sadly the other day I have received 2 pre legal assesment letters from Lowlifes based on 2 old O2 accounts.  I'm aware that the pre assesment is just a threat but it's one I need to take seriously based on my mortgage applications. The drop off date is not till next summer.  It leaves a sour taste in my mouth to set up a payment plan for this although it could be the way forward.  I maybe up for full and final but the accounts equate to £1000 roughly.  Can someone advise me on the best option for these without judging.  I have previously beaten lowlife in court for a ccj based on another communications account I held based on no CCA to prove it was mine although I think I got very lucky as I'm aware it's not regulated under the CCA.  I currently have another CC account which I'm fighting with Roboway via the prove it method for which they have wrote to me twice over the months stating they are having issues with the original creditor.  Sorry for the long read but this is massively important I avoid a CCJ. 
    • sorry I was mixing the wrong CAT provider in there. yes JDW, not SD   so in a nut shell you cant find any payments to JDW or say Littlewoods or any of the JDW catalogue names they provided but can find ref for studio cards [yes express gifts]   so they are trying 2 claim on at least 2 cat debts that are prob SB'd and using AC numbers in their POC that don't appear to match those on your credit file?   what about the studio card details, does the payment ref match the POC AC number?
    • Ok, so I have sat down and done the sums and to say I was a little out on my original debt assessment would be an understatement. The figure I owe is actually ALOT more than I anticipated. Here is the breakdown:   MBNA Credit Card - £3,833.61 Barclay Credit Card - £9,914.02 Natwest Over Draft - £2,241.51 Paypal Credit - £2005.88 Littlewoods - £1287.33 Next - £603.98 Other (This is what I owe a friend of mine who helped me, they said they're not urgently needing this money back and to sort out the rest first but I feel a massive sense of need to repay them) - £7,000.00 Total of Company Debts- £19,886.33 Total Debt with extra money I owe friend - £26,886.33   Thank you in advance for any help and advice. This figure has been very overwhelming and is a massive wake up call for me.      
    • Hi dx100uk Thanks for reply Have downloaded all bank accounts going back to 2012, checked same for JDWilliams/ J D Williams/ Williams and can find no indication of payment at all to any name or similar But Express Gifts ( Studio Cards? ) according to bank statements made last payment ( £35 ) on 24/07/2013. The reference numbers shown by Lowell do NOT match the account numbers shown on my credit file?   Once again many thanks for help Trace
    • When you list your debts, can you include  the approximate month/year you took out the account or loan.  Also when the accounts were defaulted, if you have received a default notice and could not pay the amount on the default notice.   If you have Government debts such as Council Tax, please state the current position.    Are you currently working ? Do you claim any benefits  ? If you are on low income, have you applied for any help. It would be Universal Credit now and not  Council Housing Benefits, unless you have any existing Housing Benefit claim.    
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style="text-align:center;"> Please note that this topic has not had any new posts for the last 578 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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there doesn't have to be a tn the DN suffices


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doesnt really matter now as the default will be 6yrs old in a few months

post 115 ...


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

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*PLEASE DON'T MERGE THREAD*

 

I have just recently gone to the Financial Ombudsman Service asking for some advice about a creditor, Max Recovery Limited.

 

I have not been supplied with valid proof of debt.

 

The credit agreement that was provided me with is too small to be read, refusing to supply copy of original default notice under section 87,88 89 of the CCA 1974.

 

The Notice of Assignment that was provided has no name address or identifying account number.

 

I have shown valid proof of vulnerability through medical reports that I am unable to work, Max Recovery has accepted this as proof of vulnerable household.

 

However, I gave Max Recovery a detailed income and expenditure sheet and proof of benefit entitledment, they are refusing to write off the debt knowing full well that no payment will ever be made due to financial difficulties.

 

As I understand the adjudicator has asked Max Recovery last week for more information, which they have so far not supplied them with and have not cooperated.

 

Any advise please as the last time I went to the FOS I got stitched up and the decision went against me.

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Can you give more info on the debt please. Such as dates etc


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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which is why we do merge threads as people will have to WASTE their time asking 1001 questions [as above]

about the debt and whats been and not been done tried already.

 

starting a new thread simply relies upon people actively search for 'new threads'

 

posting on and existing thread about the same debt

EVERYONE that's already posted advice [several hundred] there AUTOMATICALLY gets an email alert with your new question

 

so.....

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?478262-Drydens-for-Max-Recovery-MBNA-card-Default-On-Credit-File


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when was your last payment to MNBA?

look at the sar statements.

cant see why you bothered with the FOS

they'll never side with you on UN-EN questions.

 

dx


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

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:mad2: About merging bloody threads!

 

I'm not sure what you mean about merging threads, confused.

 

Is this a new query or not please? There seems to be some confusion.

 

HB


Illegitimi non carborundum

 

 

 

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I'm not sure what you mean about merging threads, confused.

 

Is this a new query or not please? There seems to be some confusion.

 

HB

 

Its a new query.

 

I'm angry threads got merged when its a new post.

 

Wont be posting any new threads from now on because of this!!

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Its a new query.

 

I'm angry threads got merged when its a new post.

 

Wont be posting any new threads from now on because of this!!

 

But this thread hasn't been merged. Maybe if you give us some more detail people will see that it's a new query. :)

 

HB


Illegitimi non carborundum

 

 

 

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See post 3 saying its been merged.

 

Had enough of this now.

 

Going somewhere else as not getting anywhere!!

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See post 3 saying its been merged.

 

Had enough of this now.

 

Going somewhere else as not getting anywhere!!

 

Sorry, I don't read post #3 as saying that. This thread only has 8 posts plus the one I'm writing.

 

HB


Illegitimi non carborundum

 

 

 

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:confused::confused:

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

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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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:confused::confused:

 

Its YOU who keeps merging posts and confusing the issue noone else!!

 

My posts was about the FOS!!!!!!!!!!!

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but is related to and requires ALL the info in the other thread for it to make sense

else as post 2

people WASTE THEIR TIME asking questions that have already BEEN ASKED AND ANSWERED.

 

look at it this way

9 people have viewed this thread..

 

5 times that have viewed the thread with all the background info about this debt

each of them would get an email if you were to post THERE

 

no one gets any alerts on NEW THREADS

unless they physically LOOK for them on cag..

get my point..

 

now

I cant see where nor were you advised on 'that other thread'

in going to the FOS anyway..

its pointless they wont rule the debt is UN-EN [not their problem]

nor to write it off as you are vulnerable so cannot pay it. [not their problem]

 

the outstanding work for you to do was confirm the last payment to MBNA [the point of the SAR you made]

 

as its looking like the debt is statute barred as we concluded the default was registered late.

 

dx


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

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Payment was last made under an IVA sometime in 2015.

 

I've got a statement somewhere from Max Recovery showing when last payment was made.

 

It will become statue barred in around 2021.

 

Default will come off on 1st June 2018.

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Payment was last made under an IVA sometime in 2015. prove it and to whom was this made..

 

I've got a statement somewhere from Max Recovery showing when last payment was made.

didn't ask that.

look at the mbna statements you got from the sar

when was your last payment on their statements

or

is their any period whereby you missed payments or they were below the required level

 

It will become statue barred in around 2021. prove this date, who was the payment made too and when..got that info?

Default will come off on 1st June 2018.

 

 

lets see


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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