Dear DX /CAG
I was last here 30 March 2017, seeking advice with credit card debts.
DX was very kind to take time, to guide me.
I had some health issues, and subsequently, could not remember the website name or recall any passwords.
Please accept my gratitude for help and advice in the past, but for reasons as above, I could not take matters further as per your guidance.
Briefly: The debt were cash advances on low interest in both instances, which was subsequently lost in some business ventures. Both accounts were formed before 2001.
1. Credit card debt with Halifax for £13.5K. Restons solicitors obtained a CCJ for £15.5k including interest and also secured a charge against my property. The Court ordered monthly payments of £5.
Last time DX kindly Advised, that I should send a SAR Letter to Halifax for the reason as quoted from my last thread below.
" yep as I said send it to Halifax, you need all the statements
something is wrong here
why would a big multi national bank like Halifax sell such a large debt
they could have crushed you in court.
need to find the reason"
2. Capital one card £11k+, defaulted back in 2012-13. I have been paying Lowell group £1 /month, since Aug 2016. DX had advised to send a SAR to Lowell as well.
I have no other communication with either Restons or Lowell as I continue to make the above payments via my online banking.
I have now prepared the SAR letters, from the templates provided in CAG.
Please would you confirm DX, in light of above, if it is still OK to send these.
I appreciate that it has been nearly 2.5 years, since last you advised me, but my inability to make use of your advice is my only excuse.
The windscreen notice I suspect is one of VCS's red "This is not a parking charge" sticky bits of confetti. It has been argued against and lost (on a few occasions) the courts and DVLA both say it's okay and isn't a ntd (despite the fact that it's a notice and is left for the driver) so they can still use the 14 day timings. A mockery of the system I know, but there we have it.
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!