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    • one multipage pdf only please read upload dx
    • 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
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conwaytwitty

old 1st credit Backdoor HBOS OD CCJ - Can they ask for a 2nd Warrant of Execution

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I left a rental property in January '15.

 

Subsequently,

I had a CCJ issued in April 15 (to the previous address so not defended) for£1600 (HBOS).

Bailiffs attended the previous address in Dec '15.

I have contacted Northampton to find out who issued the CCJ but not heard back yet.

 

For how long is the warrant live?

I'm seeing 1 year in some places?

 

Is it normal for warrants to be re-issued to new addresses (in this case 2 years later)?

 

The CCJ is only coming up to 3 years.

There's no real point in Bailiffs attending as I have no property

(everything I own can be packed into two bags)

I am slightly concerned about my partner's belongings being dragged into this.

 

Would I be able to have the CCJ set aside based on service address,

admit liability

and pay the outstanding amount?

 

Would that CCJ then be removed from my credit file or would I just have to let it ride?

 

As yet, I've had no recent contact with bailiffs in the matter described,

I want to get ahead of the game.

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The old warrant would be out of time and was probably returned in any case.

 

If no enforcement is currently underway, all that would be due is the original judgment debt, the fees for the earlier enforcement would have disappeared when the warrant was returned or expired.

 

If you paid, the marker would remain on your file for six years in total, if you were successful in getting the debt set aside it would be removed immediately.


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why did you not ask for the CCJ & Claimform to be sent by email PDF whilst on the phone to northants bulk in the first place?


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why did you not ask for the CCJ & Claimform to be sent by email PDF whilst on the phone to northants bulk in the first place?

 

Haven't actually managed to get through, sent three emails and spent numerous attempts listening to engaged tones on the phone.

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Send an email using the following requesting a copy of the judgment/claim

 

 

Copy Judgment (Insert claim number xxxxxxx)

ccbc@hmcts.gsi.gov.uk


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I now have a copy of the judgment

 

Warrant of control issued (fairly obvious)

 

there is another entry which if somebody could explain it would be appreciated.

 

Final Return on Warrant Final - return code 126 (appreciate the return code is an internal admin code) but would appreciate an explanation of Final return on warrant.

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good

so who was the claimant?

what was the debt?

what address was the CCJ taken out against?

did you inform the original creditor or the claimant of a change of address?


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I now have a copy of the judgment

 

Warrant of control issued (fairly obvious)

 

there is another entry which if somebody could explain it would be appreciated.

 

Final Return on Warrant Final - return code 126 (appreciate the return code is an internal admin code) but would appreciate an explanation of Final return on warrant.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?283211-Warrant-of-Execution-Final-return-of-your-claim-was-received&


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DCA 1st Credit

 

Overdraft (HBOS) £1600

 

The CCJ was issued to a previous address against an account that was held at another even earlier address.

I incurred the debt at A,

CCJ was registered at B

and I'm now at C.

No, unfortunately, I didn't.

 

Warrant of control issued in 15 with a final return in the Dec - been dormant since.

 

The reason for this coming about was I have had about 30k go SB over the last year with a further 10k due to fall off the credit report in a month's time.

 

A DCA, well known for SB debt collection attempts started sending letters recently but they are out of time.

 

But,

my mother-in-law who doesn't speak English tells me there have been a couple of visits by suited chaps.

She doesn't open the door because of the language barrier.

It's difficult to know who they are as

they don't leave any calling cards.

 

Then I thought the visitors might be for the CCJ above.

 

I have 2 CCJs, I assumed it was the more recent one described above that might be the immediate issue.

 

There is a second CCJ with Arrow

5k, probably an MBNA credit card debt

CCJ issued at an address in mid 2012, Defendant address a later address and there is no reference to my current address.

That has a very recent warrant of control note with 3 subsequent Final return notices with the last one being within the last month

Edited by conwaytwitty

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then i'd let everything run.

 

not a lot you can do

I would suspect the doorsteppers were a DCA not bailiffs.

safe to ignore them


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I've had about 40k of debt go statute barred in 2018 - good year. I have one outstanding account which was approx 1200 for an o'draft (the debt was from 2012 but CCJ issued in 2015).

 

A DCA obtained a CCJ against a prior address, a warrant of execution was issued and a bailiff attended to be told I was no longer at that address.

 

Forward to 2018 and an updated credit file saw this DCA come out of the woodwork for this CCJ.

 

I sent a GDPR request and the file that came back was huge and showed letters and discount offers of up to 70% going back years.

 

I made an offer based on the discounts in the GDPR request which they have rejected. They have counter-offered with a 10% discount to be paid by the end of the month.

 

I'm trying to plan my next move, my question is can a 2nd Warrant of Execution be issued?

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

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Yes, it's the same one, it had all gone a bit quiet after the last 10k dropped off (all bar this) and then this last one popped up again.

 

Never heard from a bailiff in the end.

 

I'm tempted to pay it but obviously if I can get a discount 5-600 quid is worth holding out for if I up the offer a bit.

 

I'm wondering to string them out to the end of the financial year and then pop an offer in knowing that any good sales team will take it to get their figures up. It's a gamble, it depends how hard-ball they play in these situations

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why did you bother to send any stupid letter tennis

what do you mean by an updated credit file it popped back

the CCJ is older that 6yrs now and should not be showing

thus the debt is also defaulted more than 6yrs ago so that shouldn't show either...

 

so what is your problem?

and most certainly don't offer to pay them

changes nothing!!

 

dx


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sorry you say 2015 ccj so still showing..my mistake

so you updated your address with cra and they wrote to you/

 

short ans is yes they could get another warrant, but its a consumer debt and bailiffs for those have no right of entry anyway.

 

why didn't you contest the ccj when you found out about it?


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There seems to be mixed opinion as to whether a set aside would be granted in these circumstances.

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you would need 2 things...

 

1.a reason to set aside,

- you not updating the OC or the claimant of a change of address, thus it was served to an old one cannot be a reason, however if you have written evidence that a differing address than the one the claimform was served to was within the knowledge of the claimant, then that will satisfy that part..

 

2. a defence for the original particulars of claim regarding the debt.

 

to date I cant see one...the debt being made of say PPI or penalty charges is not one, but issues like it was a merged debt or the OD balance being significantly above any authorised limit when the account was opened might be.

 

homework time...get an sar off to HBOS


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