Jump to content


  • Tweets

  • Posts

    • 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..        
    • Hi there, the company name on the bit of paper is:   Bristow & Sutor   Says the total amount £990.49 and this includes £235 enforement stage fees,  The CTAX was owed to North Tyneside Council. The guy also said that it wasn't just for CTAX. Other debts were combined.   I did leave other debts behind too when I moved. Perhaps a utility bill, credit card debts and a Provi doorstep loan.   I think the guy said that he would be back Saturday too. This is what I'm trying to avoid multiple visits. Don't want my mam to get upset.   Thanks for the help.   Bear
  • Our picks

style="text-align:center;"> Please note that this topic has not had any new posts for the last 514 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.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi guys a little help needed if i may ask..

 

I was with Step Change for about 10yrs (maybe longer) not sure..

i have 7 DCA acounts..

1 with Morecroft,

1 with Idem Capital Securities,

1 with fredrickson int,

and 4 with cabot..

 

I can only remember that 1 debt is for a bank loan Lloyds, now with cabot,

1 was an over draft, Lloyds again.. cant remember who i'm paying that 1 to?

and the others are for credit cards..

 

Because they are old, and i have really bad memory i can't remember who had what ACC?

 

i've no address detals for any of these DCA's but i have the Account Numbers, du i google there address info and then send off CCA?

 

Forgot to say that i've been dropped by Step Change because i didnt do my review in time.

 

any help in the right direction please?

many thanks.


Andy

Share this post


Link to post
Share on other sites

have you ever done a CCA request to all the DCA's?

 

if you haven't that would be the first thing especially on the credit cards

 

yes just google the address's and send them

 

for the overdraft you need to sent a prove it letter as its not covered by the CCA

 

I take it these are all pre 2007 as you said you have been in a DMP for 10 years?

Edited by dx100uk
merge

Share this post


Link to post
Share on other sites

Yes these are all pre 2007..

i problem i have is.. i'm not sure who got the over draft?

 

i'm sure i read on here somewhere that i only need to send 1 CCA and 1 fee for the 4 Accounts i have with Cabot?

Edited by dx100uk
merge

Andy

Share this post


Link to post
Share on other sites

Send a CCA to them all, the one that comes back and says it’s for an overdraft and the cca isn’t applicable is the one you send the prove it to

 

Or you could phone step change and ask them

Share this post


Link to post
Share on other sites
Or you could register with noddle and see what they hold for you

 

http://Http://www.noddle.Co. uk

 

Doubt anything will show debts over 10 years old ?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

just logged into Noodle and found, Nationwide Building Society have put a default notice on my file for the last 12 months?

i was paying Step Change all that time?

so i've no idea where this has come from?

all the other debts from the Step Change are not showing on my Credit file.

 

just done my letters if someone could let me know if they are ok.

Cabot_28-06-2018 pdf.PDF

Fredrickson_28-06-2018 pdf.PDF

Idem_28-06-2018 pdf.PDF

Edited by dx100uk
merge

Andy

Share this post


Link to post
Share on other sites

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

why not simply stop paying [as you have by default] and await the deforestation through your door.

that way you'll know who owns yours debts

step change had the right address for you?

so the DCA's will ,

so no danger of backdoor CCJ's.

 

else send the CCA's for those that need it

and leave the OD alone.

a prove it letter simply invites letter tennis

see who writes to you about the OD first IMHO


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

Yes Step Change have all my up to date info.. so you think the best way is to wait for them to contact me 1st then I hit them with the CCA?


Andy

Share this post


Link to post
Share on other sites

I am surprised that Nationwide have recently added a default notice. There can only be one DN on your file and once filed, that date cannot be changed. Might be an idea to check back the records........

Share this post


Link to post
Share on other sites

I have no records at all..

Edited by dx100uk
merge

Andy

Share this post


Link to post
Share on other sites

send nationwide a free sar then


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

spreadsheets 

 

Share this post


Link to post
Share on other sites
I am surprised that Nationwide have recently added a default notice. There can only be one DN on your file and once filed, that date cannot be changed. Might be an idea to check back the records........

 

now you say only 1 DN.. i got 1 for every month for the 12 months that they started?


Andy

Share this post


Link to post
Share on other sites

no you got a nosia letter [notice of sums in arrears] not a default notice


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

that is just standard for reporting of a default

 

the only important thing is the original default date

Share this post


Link to post
Share on other sites

IGNORE calendar markers they mean nothing!

 

defaulted date in the summary is the important bit!


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

Ok thats the CCAs sent off... now sit back and wait.

 

Is it 12 working days +2 or 12 days + 2 working days?


Andy

Share this post


Link to post
Share on other sites

12+2 working


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

Morning.. Just been looking at my Credit Report and the Default from NATIONWIDE, is from 29-6-17..

i dont know who owns the debt, it could still be with NW? i've not sent them anything yet.

 

do i wait until all the CCAs come in or do i send them a SAR?


Andy

Share this post


Link to post
Share on other sites

whom owns the debt will be noted on your credit file

so if this on is still showing as nationwide

they still own it.

 

it this an OD?


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

This is for a CC.. I've not had any contact with NW since I went on the DMP with Step Change ove 10yrs ago.

The card was taken out in 2004.


Andy

Share this post


Link to post
Share on other sites

and they've got a CCA running too?


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...