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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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Marbles Default Notice. In a payment plan

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I asked Marbles to close my account, because the interest rate was going to be increased.

They agreed to "close" which means let me repay at the old APR rate, not allow new transactions.

The rules say I'm allowed to do this, and I can repay, at the old rate within a "reasonable time"

 

Then I called up, few months later, saying lost employment, need to freeze interest completely,

went thru income/expenditure and had it frozen. They agreed to reduce the monthly payments for 6 to 12 months.

 

I kept up with the reduced payments, as agreed, and now they've sent a default notice. It's not even been 3 months yet.

I think this default notice, is a system generated one.

 

They've done this before. They issued a £12 penalty fine, even though I paid the correct amount, due for that month, and I then cancelled direct debit. They cancelled the £12 fine previously, and apologised as it was wrongly issued on their end.

 

Was planning on calling on Monday, saying I had an agreement to pay reduced payments, put in place only a couple of months ago etc, why you defaulting me.

 

Just curious to know, what I should do. We had an agreement, they agreed to, very recently, and I stuck to it.

Pretty sure it's the automated system taking over.

 

If I complain, could rock the boat, and

Not sure if them issuing a default, whilst I'm in a payment plan, counts as treating customers fairly?

I can't afford to pay the amount in the default notice.

 

Thanks in advance

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never call always write so you have a paper trial. they can issue a default because even though you are in a payment plan you are not paying the higher amount you are contracted for . also I have gone though this as well they do seem to be issueing defaults now on the 3rd month or they did on all of mine

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Default is a true account! so just carry on paying the agreed amount, as far as the amount shown on default that is showing the actual default amount - information as to the default , so nothing wrong there!, that they have to record so nothing wrong there!

 

an agreement to pay lower has no bearing on registering defaults - as long as it is a fact! They have to record facts with CRAs as per Regulators requirements.


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

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