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    • well the only way now to get it removed is via a set aside cost £255.   even paying the CCJ and it being marked as satisfied will not sadly improve his credit file nor prevent it poss killing any credit for the 6yrs it will show on his file for regardless to payment.   TBH: there would have to be something seriously wrong for a set aside to succeed  location of the car park might help us at the least.    
    • I had  a 5yr fixed rate mortgage with Norwich & Peterborough before they merged YB. I was to pay £585.27 Per month for 60 months fixed @ 5.85%.   first year ok,   for the following three years as their SVR increased so did my mortgage; £589 1st increase 2nd increase £595, 3rd increase £599. Along with the increases I was also charged late fees etc. from 2008 onwards.   I did receive a letter due to the enquiry into their fees but that only refunded from 2009, where I had been incorrectly charged after one month in 2008, plus the charges wern’t consistent with the £25 they allege to charge sometimes i was charges £32.50. I know the increases are not considerable however with them increasing the mortgage due to their SVR increases did they  1.    breach the terms & conditions of the mortgage contract. 2.    switched my mortgage to a SVR.   Any ideas appreciated.  
    • Thanks Dx, I’ll have to ask him if he wants to go any further and tbh I’m not sure he has anything kept, the claim form, etc. I’ll ask him tomorrow and see what he says or has.
    • opps no outside of the 33 days he had to pay it for it not too show sadly.   we are going to need far more info than what we have here now to even think of suggesting a set aside. this is compounded by the fact hat you say he totally ignored everything inc the claimform?   oh well time for you to get scanning. scan everything he has please  every letter, the lot.   one good point is we only need the front page of the claimform..not the complete pach from northants bulk.   please makes sure you redact things properly but leave times and dates etc. just remove his pers details, reg/pcn/ref numbers and any bar or QR code boxes. read upload  put everything in ONE MULTIPAGE PDF FILE ONLY please     the sad fact here is premier haven't ever won any CCJ's when cases are defended. they run away.
    • in their WS they state its a recon, [pages 1-10] urm something smells here for this to happen for an online 2012 signup.   pages 1+4+5 appear to be missing??   need to discover whats going on here  so scan up the pages 1-10 as clear non blurred uploads no good to us if we can see them   if you need to send them via the secure email then do so and i'll do it. but we need to see the text of all 10 pages very clearly to workout what they have done..   its better you look stupid infront of us than lose another case infront of a judge.  you only waste the forums time when you don't follow what has been already advised  esp when it runs the clock closer to a deadline - its 3 weeks we've been waiting for these docs now and what do we get..mostly blurred uploads we cant read...
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Would like to thank some of the peeps on here over the years for their advice.

 

I've finally had it agreed in writing that the Halifax are going to write off £9K worth of debt.

 

This is a big weight off me and I feel so less stressed.

 

They will close my account and mark my credit file "partially settled".

 

They had accepted my income and expenditure, and that I had a variety of health problems meaning I am unable to work to pay it off.

 

One very happy chappy!!

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partially settled... I would demand they mark it fully settled.


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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partially settled... I would demand they mark it fully settled.

 

I am just happy to accept that they have agreed to write if off TBH.

 

Less stress to worry about.

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Would i be wrong to think that it they, (The Bank) have it recorded as partially settled they might then sell the remaining debt to the bottom feeding debt collectors? ... Or is this tree I'm barking up containing no 'Cat'-ch?

 

Anyways, congrats confused4sum.

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Would i be wrong to think that it they, (The Bank) have it recorded as partially settled they might then sell the remaining debt to the bottom feeding debt collectors? ... Or is this tree I'm barking up containing no 'Cat'-ch?

 

Anyways, congrats confused4sum.

 

No.

 

The letter says they will close both accounts and mark partially settled.

 

They agreed to write the debts off.

 

No further action after that.

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Did they agree not to sell the debts on though? Well done on your success but i just want you to cover all angles.


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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Did they agree not to sell the debts on though? Well done on your success but i just want you to cover all angles.

 

No mention in the letter of selling my debts on.

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any mention of them not selling it on? Not saying they will but i wnt you to cover all avenues, as i wouldnt put it past halifax to do it.


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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any mention of them not selling it on? Not saying they will but i wnt you to cover all avenues, as i wouldnt put it past halifax to do it.

 

How many times!!!??

 

NO mention of selling it on!!

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