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.
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
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.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!