Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Yes, my initial view is that @unclebulgaria67 is probably right and that because it was a magistrate's warrant, it would be the energy company that would have been in control of the situation directly. Unfortunately this will be much more difficult to deal with then dealing directly with Marston but anyway if you give us your details as requested, we can at least get Outlook from that direction as well. I'm also wondering about the position of your landlord in this. As you have taken up a tenancy in a particular property then I would have thought that one of the terms of the tenancy would be that you should be entitled to quiet enjoyment. Although the landlord may say that it is not their fault and it is down to the previous tenant, at the end of the day you have a contract with the landlord who has certain responsibilities. I think we may consider involving the landlord in this as well. You say that there have been letters addressed to the previous tenant. What have you done with those?
    • Yes please. We have certain direct access to Marston and we may be able to get someone to look at this at a senior level. Please email us as requested with your own contact details and name of previous tenant.   We can't guarantee any particular result but we can promise you that it will be looked at.
    • they say in letter dated 20/01/20 that the agreement was terminated on 30 July 2017 and cannot be terminated twice, so your VT request is invalid. startline issued termination or Default notices on the following dates: letter: 30/03/2017 termination notice  liable for payment: arreaers to date : £365.38 the balance of: £10,586.50 total: £10,951.88 7 days notice else ROG+sums outstanding. ....................... Letter: 11/12/2017 Default Notice nature of breach: instalments of £211.73 due 30th each month. action to remedy: payment of arrears £449.23 by 30-12-17 other info: payments to date: £5226.91 outstanding: £9351.89 less rebate: £2251.41 Amount Due: £7100.48 if you act before 30-12-17 and have paid £7056.90 you can VT. ............ Letter: 27-07-2018 Default Notice refs a dn dated:31/05/2016 - there is no such DN in an SAR return. nature of breach: instalments of £211.73 on 30th each month. action to remedy: payment of arrears £226.73 by 15-08-2018 other info: on or after date 27-07-2018 we shall terminate,withdraw possesion and recoversums due upon termination. total paid: £6250.91 outstanding: £7647.28 less rebate: £1590.47 Amount Due: £6065.81 if you act before 15-08-18 and have paid £7056.90 you can VT. ........................  letter: 01-10-2018 termination notice  liable for payment: arreaers to date : £325.06 the balance of: £6079.75 total: £6404.81 7 days notice else ROG+sums outstanding. ……………………...     NEW ORDER STATEMENTS.pdf Doc1.pdf
    • thank you.   have you had issues paying credit before you took any of these out?   i'e were you keeping a good handle upon your credit file and it wasn't shot with any defaults or payment markers during the period when you applied and were successful in getting any of this additional credit?   my thoughts are ...should the above not be the case and your credit worthiness was good... so couldn't p'haps introduce some irresponsible lending complaints in association to them … it might be an idea to give all your creditors the heads up that times are hard and you wish them to help you, as they are duty bound to do, by freezing interest and any penalty fees to allow you to ride out this present financial hardship till things improve ...   how does that sound...   dx  
  • Our picks

disneygirl

daughter has 2 ccj's 1 in arrears help needed

Recommended Posts

Hi all

 

Briefly my daughter 27 years old, has 2 ccj’s (1 she has failed to keep up payments on) plus other credit card debts.

 

She is living with me temporary at the moment with her 1 year old son while trying to find accommodation.

 

She is dyslexic in words and numbers (plus mental health issues bought on by debt) cannot work out basic change in money, she is unemployed, so she is on benefits due to health issues.

 

She was living with her biological father at the time who apparently controlled all the money coming in while making sure all the bills were in her name.

This resulted in the 2 ccj’s which he dealt with by completing the paperwork and ADVISING her not to defend them.

 

She has now received a letter from Lowell dated 23/08/2019 “Notice of County Court Judgement (CCJ) Arrears”

Listing enforcement action pending and all the things they can do to her.

And 14 days to pay money she does not have.

 

my thoughts, few as they are is the following:

Would it be any good using court form N245 for “suspension/variation” or would it be better to use form N92 Application for an “administration order”?

 

YES it is her fault for not asking advice BUT if you cannot trust your own father who can you trust?

Thoughts advice much appreciated.

 

T

Share this post


Link to post
Share on other sites

N245 vary both £PCM for each CCJ

 

are these recent

and when were the cards taken out please

and who with

 


..

Share this post


Link to post
Share on other sites

Hi dx

Sorry for late reply had to rush daughter to hospital for ongoing Gall Bladder problems

please explain "£PCM"

Will post details of all asap when I have more details

Many thanks again

 

T

Share this post


Link to post
Share on other sites

What she was ordered to pay £ Per calendar month


..

Share this post


Link to post
Share on other sites

Forgot to state name on Lowell paperwork and on ccj are the same but her biological could not even spell her names correctly so both Lowell/ccj in wrong name 

Many thanks again

 

T

thanks on pcm will check

Share this post


Link to post
Share on other sites

Hi all

dx

 

ref post 2 - my wrong no credit cards

 

ref post 4 - payments to Lowell Portfolio 1 - are 4 per month  at constant values small but add up, can post pdf of values if needed

 

Only reference is - Lowell Portfolio 1 - so she has no idea which payment relates to which debt

 

The only Active ccj listed on creditkarma is for a totally different case number and value?

 

Told her to close current bank account and open new one thereby cancelling payments, and to wait for paperwork through post?

 

Would this be the best way?

 

As regards paperwork for debts her relationship with biological is extremely toxic so no access to paperwork, just waiting to see what post delivers next.

 

T

 

Share this post


Link to post
Share on other sites

so blindly paying dca's on several accounts then?

 

you idea of stopping all payments to everyone might turn out to be the best idea ...

go get her credit file

that might help unravel the spiders web.

 

dx

 


..

Share this post


Link to post
Share on other sites

sorry for posting twice needed to edit but forgot

Hi all

dx

 

ref post 2 - my wrong no credit cards

 

ref post 4 - payments to Lowell Portfolio 1 - are 4 per month  at constant values small but add up, can post pdf of values if needed

 

Only reference is - Lowell Portfolio 1 - so she has no idea which payment relates to which debt

 

The only Active ccj listed on creditkarma is for a totally different case number and value?

The paperwork Lowell has sent her regarding ccj arrears, the Claim Number is shown on creditkarma under "Financial Account Information / Open Accounts / Other Accounts"

Not listed as "Active CCJ"?

 

Told her to close current bank account and open new one thereby cancelling payments, and to wait for paperwork through post?

 

Would this be the best way?

Is it still worth completing N245 to post tomorrow?

 

As regards paperwork for debts her relationship with biological is extremely toxic so no access to paperwork, just waiting to see what post delivers next.

Sorry for long winded post seems more questions than answers

T

sorry dx cross posted 

have credit file in front of me now

Share this post


Link to post
Share on other sites

so bearing in mind paperwork received from Lowell is not for an Active CCJ ( according to credit file ) is it worth sending N245 to court OR are Lowell pulling a fast one??

T

Share this post


Link to post
Share on other sites

Lowell are members of the CSA,

 

See below, from Section 3 K, 

 

 

https://cdn.ymaws.com/csa-uk.site-ym.com/resource/resmgr/docs/code_of_practice/code_of_practice.pdf

 

Doctor/s / consultants note off to Lowell, explaining why she isn't capable of responding, or defending herself, mentioning relevant parts of the COP.  Please back off  etc

 

They should drop it like a hot potatoe

 

 


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

Re all her old address es showing on her credit file??


..

Share this post


Link to post
Share on other sites

@ London1971 many thanks will follow up asap. She is under the care of a social health team at the moment all trying their best to help her

 

@ dx every address she has lived at is shown on credit file

 

Share this post


Link to post
Share on other sites

Good,

 

Anything from a doctor / social work team will work, treatments, and why she can't respond.

 

 

 

 


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

Hi

refer post 9: it is shown on Equifax as an "Active CCJ"

just goes to show - check as many credit agencies as possible.

refer post 8: the name shown on Lowell paperwork and on CCJ is not my daughters

Therefore I am struggling to complete N245 because of name difference

 

Posted letter to Lowell explaining situation and asking for "Debt and Mental Health Evidence Form" to be sent to her.

Any thoughts please.

T

Share this post


Link to post
Share on other sites

obv without specifics

what do you mean by not her name.

 

jane doe not june doe etc....

dx


..

Share this post


Link to post
Share on other sites

Hi dx

would a pdf be the best way to explain?

 

T

Share this post


Link to post
Share on other sites

Untitled 3.pdf

 

it probably does not make a difference.

The problem I have is in completing N245 because of different names used on documents.

Share this post


Link to post
Share on other sites

 just a spelling mistake.

 

you are the only one with that problem..

and there isn't one!

 

use the details and the name from the JUDGEMENT.

 

a change of name, unmarried to married deed poll or whatever does not invalidate a CCJ.

its the same PERSON.

 

 

 

 


..

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...