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MikeyT

Mobile debts (lowlife) several old defaults Need help if possible.

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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. 

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use CCA not pointless prove it letters. [re the card debt]

 

you don't need to pay anything.

they have to abide by PAP first


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Thank you for the swift reply DX I'm aware you have a great reputation on here so thanks for reading my thread. 

 

So you suggest to fire a CCA Request to Robo I will indeed do this. 

 

I also have a catalogue debt with lowlife should I fire one at them or let sleeping dogs lie for now? 

 

The PAP is first steps towards A CCJ am I correct in thinking.

 

Would I not be leaving myself with less time to challenge this or is it a case options open up once this has begun. ? 

 

Thanks Dx 

 

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