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Dealing with Debt / Re: arrows and restons
« Last post by Lisa Thomas on Dec 04, 2017, 09:34:24 AM »
Check your credit records to prove when the debt was marked as satisfied and use this as evidence if you cannot get copy bank statement form your Bank.

Dealing with Debt / arrows and restons
« Last post by thecatlady on Dec 03, 2017, 04:17:01 PM »
hi all im new   can you help

i paid off my halifax debt over 6 years ago   ive moved house twice since then      i now live with parents    just got a letter thurs  on my redirection  from arrow/restons solicitors threatening legal action over unpaid 15k halifax bill     my bill was never that high and i paid it years ago     i dont have proof

i checked my credit file nothing on it all clear  no ccjs either
i was given until 30th nov to send them my payslips etc   im innocent  so ignored it.  plus they dont know my ne address or phone number/email
advice please 
Dealing with Debt / Computer Paper Topics
« Last post by MathJab on Dec 02, 2017, 04:50:00 PM »
                  Demand a look for the Person Dead Workers File (IDPF) when the knight died through the battle. The files while in the file range by gift but can include a description of death, international gravesite, system and sequential number, household correspondence for the authorities, disinterment directives and reburial directives.  Search on the internet for device records. These websites might feature system rosters, fight heritage, outdated and present pictures of troopers and additional service data.  Some models haven't released information online, but publications happen to be written about them. Such material may offer an idea of what your general's wartime experience may have been like.  They certainly were completed by each firm inside the Military. You need to know the brand of the knight's organization and also the times of his service.  Tips & Warnings  Should you strikeout with one-source, try another.
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Dealing with Debt / Re: Lowell County Court
« Last post by Lisa Thomas on Nov 28, 2017, 11:43:59 AM »
You need some legal advice.  You could try reposting on the UK Business Forum legal section as I'm not sure any solicitors respond to posts on this forum, sorry.

ultimately if you don't correspond it won't go away and they could get a CCJ against you and start recovery proceedings.  You will no doubt need to prove the debt was disputed at the time and reach a resolution.

Alternatively you could chalk it up to a bad experience and pay it but get some legal advice first.
Bankruptcy / Re: Bankruptcy - reducing beneficial interest of home
« Last post by Lisa Thomas on Nov 28, 2017, 11:41:55 AM »
Hi I believe I have answered this on another forum but the non- bankrupt owner will need to reach an agreement with the Trustee to buy out the bankrupt's interest in the property.

If there is sufficient equity and they, or third parties are unable to do this then the property is at risk of being repossessed and sold by the Trustee.

The non-bankrupt owner will receive their share of the net proceeds.
Dealing with Debt / Lowell County Court
« Last post by jbb006 on Nov 26, 2017, 11:03:43 AM »
Hi Guys,

Very new to this, so any help is very much appreciated. 

I have received a Claim Form for Lowell Portfolio 1 LTD from Northampton county court business centre, for an alleged outstanding BT broadband debt of £290.00 from 5 years ago.

There was a a dispute with BT regarding broadband, not providing the service and speeds offered.

I am not sure the best way to respond to this.  I have further information, but not sure what is relevant/needed.

Thank you in advance for any help.

Bankruptcy / Bankruptcy - reducing beneficial interest of home
« Last post by MrsMEC on Nov 18, 2017, 12:08:12 PM »


With a bankruptcy hearing imminent, I’d like to put the following case study for advice please:

A sole trader is to be made bankrupt and jointly owns a home on a 75/25% Tenants in Common share with their partner, their 25% share being the beneficial interest relevant to the bankruptcy which is at risk.

Their partner runs a limited company from the home (an office and outside store), with no rent etc charged.

If the bankruptcy is filed, is there anything that can be done by the partner using their limited company to reduce the 25% beneficial interest at risk?

Many thanks in advance.


But yes we paid before the hearing and attended the hearing.
I wasn't sure if they could get a 'marker' / restriction before this.
so i assume they would not have been able to do this.

i was not made bankrupt or issued with a ccj.

Hi Lisa,

Perfect, thank you very much for this information.
We were kept in the dark by an unscrupulous law firm that visited on the 21st dec and we were away.
therefore we could not respond. they also spoke to our neighbours a month later before posting another letter to us
which we have on cctv. This neighbour is very jealous of us and caused trouble regarding this matter for us
and started to intimidate my wife and I. We then had an arrangement to pay £2k per month but they still issued the proceedings and had to go to court. I was away but came back for the court date and we had another month. we got the money and paid so no CCJ or bankruptcy was issued.
Not happy though as I have a letter from the company agreeing to the payment plan but they still did this.
We have a lot of evidence, we were kept in the dark, the process servers did not [** sorry, no personal contact invitations allowed **] reasonably as when they wrote to us they did not write any details about what it was about. literally just a phone number and call us. so we didn't
as we didn't know what it was about. Had they stated what it was about or a reference number i would have called them. we get all kinds of junk mail.

anyway its done.

however the solicitor they used made a threat against me in the court meeting room which we recorded with his permission.
as they constantly lied we asked if we could record what he was saying about the agreement for costs, then after this i asked him why they kept lying to us and he made a threat to me and it was recorded, he acknowledges the recording at the beginning and spoke on it for us. He agreed to send us bank details within a week so we can pay the costs (which we disagreed with but just want to end this) we never got the details so never paid the costs and wrote to the judge explaining the whole sad situation including the threat and why we hadn't paid. they wrote to me so i wrote back stating they had breached the court ordered payment agreement by not sending us the bank details and that we have a recording of a threat made by their solicitor so asked them to issue legal proceedings which they stated in their letter to us that they would do. I also stated if they did this we could counter sue them for the tthreat and other incidents such as process servers not informing us reasonably.

so anyway i am waiting now to see what they will do next.

any thoughts or help about this or should i just wait for them to reply?
maybe they will issue legal proceedings but i'm worried they wont write to us about this as they have done this also
a number of times. Due to this we asked them to send us letters by recorded delivery as they have claimed to sent us letters we haven't got which they did do but only a couple of times. we sent them all our letters by recorded delivery.


Bankruptcy / Re: Gift from Parents after discharge but while in an IPA?
« Last post by Lisa Thomas on Nov 15, 2017, 12:15:21 PM »
Best of luck.
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