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Connaught collections.......threats of Bankruptcy


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Am moving your thread.

Welcome to the site.

In order to assist properly we need to know more detailed info.

Any chance you can expand on this here ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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A few questions, how much is the debt? Are there any charges on the account? Have you fallen behind with payments? How was the statutory demand served?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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If this is the first contact from Connaught, then this is a standard letter that they churn out. Take a deep breath, do not panic and CCA them. Chances are they will not be able to comply and will send it back to the original creditor.

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I can agree wit pfens. They sent me one of them letters, I sent in a CCA request and they sent it back to 1st Credit. They are now in criminal defect...hehe. Just waiting for my credit file to see what they have lodged:D

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With out hyjacking the thread what more could 1st Credit do??

Petition for bankruptcy and generally harass you all hours of the day.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Petitioning for it and getting it granted are two very different things.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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They will put immense pressure on you. Tales of bankcruptcy, charging orders and illegal CCJ's abound on this site from those muppets.

 

They will lie, as you would expect, about what they can and can't do, so be prepared.

 

Stick to your guns and do what the good people on here tell you and have a search on the other threads about 1st Credit. Mine needs updating after some interesting developments today ,so have a look later.

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  • 2 weeks later...

Hi,

 

I'm in the same situation with them. They sent me a letter dated 13th July and i have only just received it due to the postal strike in my local area and the flooding. If i send a CCA request today the post is still striking so it may take days to reach them. What should i do?

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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However it sounds like an empty threat with these guys

 

I've had clients made bankrupt by these people. Always assume they mean it when you receive these threats. There are things to consider, however.

 

a) are there any assets? if you live in rented accomodation it would be unlikely that bankruptcy would be the best option for the creditor as there is a distinct likelyhood they won't get any/much money.

 

b) what is the level of the debt? proceedings for bankruptcy can be very expensive, is it worth it?

  • Haha 1
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I've had clients made bankrupt by these people. Always assume they mean it when you receive these threats.

 

I agree with you there which is why i advice having stat demands set aside if thats possible in your case.

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I agree with you there which is why i advice having stat demands set aside if thats possible in your case.

 

remember, you can only have a stat demand set aside if there are grounds to do so. a CCA request should be a priority in these instances although i appreciate the 18 day time limit is tight.

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I live in rented and the amount they are claiming is £1600 so not a lot.

I've drafted a CCA but should i be doing other stuff?

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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Not sure what to look for regarding stat demand served correctly!

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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Not sure what to look for regarding stat demand served correctly!

 

how did you receive it?

 

if you're in rented you can relax a little.

 

if they were to issue a creditor's peition it would cost them the best part of a thousand pounds, they would be highly unlikely to get a return on that due to your circumstances. my guessing is that this action is purely a scare tactic and that personally i feel their actions are disproportionate to the debt level. complain to the OFT about their tactics.

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How do i do a creditors petition?

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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To have a stat demand set aside, you need to apply to the court using the 2 forms below. The usual reason is that you dispute the debt.

 

As far as whether it was served properly, you have the stat demand, therefore you can't claim you haven't received it unless you lie about it. I wouldn't go down that route.

 

http://www.insolvency.gov.uk/pdfs/forms/6-4.pdf Application to set a Stat Demand aside

 

http://www.insolvency.gov.uk/pdfs/forms/6-5.pdf Affidavit in Support of Application to Set Aside

Statutory Demand

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