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Dealing with Debt / Statute Barred Credit Card Debt need some help please
« Last post by Warnerged on Jan 14, 2019, 12:52:25 PM »
I would consider getting both credit cards.  Get one, then wait a month or two and get the other.  I understand that some experts will recommend you not have more than four credit cards at a time.  So if you had three you would still be fine.  Just use all of them equally and always pay them off every month.
Dealing with Debt / Lowell County Court
« Last post by Warnerged on Dec 29, 2018, 11:58:28 PM »

I have received a county court judgement in default, in todays post from the bulk centre in Northampton. The judgement relates to a debt which Lowell have failed to demonstrate they own. I received no claim form or any other documentation from the court  prior to this. Lowell corresponded with me some months ago and failed to provide any proof  that they owned this alleged debt, despite this being requested.

Would I be right in completing a form N244 and stating that I did not receive the court claim form?  I would like this judgement set aside.

It is despicable that an outfit like Lowell can obtain a CCJ against someone with no proof that they own the alleged debt.

All suggestions gratefully received.
Bankruptcy / Bankruptcy- debt cleared
« Last post by ollieb32 on Dec 28, 2018, 04:18:56 AM »
If anyone can help. A bankruptcy order was passed - the petitioner was Travis Perkins. Long story short- I signed a director guarantee, company went into liquidation and came after me.
I literally have the funds to until the day of the hearing, I asked them to adjourn until 4pm but the wouldn’t. Order was passed at 10.30 am.
Debt was paid in full at 10.43.
The funds hadn’t cleared in my account until immediately before I paid it.
I have had a solicitor assist and done the IAA application and witness statement we are in court tomorrow morning to get it stamped and sealed and get a hearing date.
My question is- we are applying for a stay of proceedings and a stay of advertisement. However the receivers have already contact the credit reference agencies and Experian has dropped my score by 309, published the bankruptcy order and my Barclays account has been frozen. Tomorrow after we obtain the stat orders can we get the reference agency to reverse and Barclays to unfreeze? Also with Experian seeing it I am pretty sure every other agency has which is going to be a [censored] storm with our company! Financiers, credit accounts etc etc
Any assistance appreciated
Dealing with Debt / Login
« Last post by SungBrunso on Dec 17, 2018, 10:04:17 PM »
Phones The ten biggest cell video games of all time. Touchscreen recreation for cell is one of the most popular genres.
Dealing with Debt / What is success?
« Last post by RicardoRhind on Dec 12, 2018, 04:20:47 PM »
All this talk through a tunnel
of kid gloves and landmines went underground.
You were communicable my limbs
in sequels and spoofs, commemoration my organs
with friends lost, whose names like patients’ names.
Our clumped covet stirs and how
when unwound, as with DNA, it sweetly wounds us.
Wish in the right locale, you said, is upon misplaced
or no desire at all. But I clout, in my dreams I day-dream,
in my dreams I do not hope.
Where were you when was I? Counting down
the decades for the receipts as casualty of our anterior to war.
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Dealing with Debt / Ex-housemate ran up debt in my name
« Last post by mooneus on Dec 11, 2018, 10:50:42 AM »
About 3 years ago I moved into a houseshare with someone I didn't know. It's fair to say we didn't see eye-to-eye - we were just 2 completely different people. I moved out in April 2015 to a different place. Around Nov/Dec of that year I got letters in the post saying I owed a catalogue order company £2,000. I had no idea what this debt was for and rang up to enquire. All my personal details were correct, e.g name/DOB. But the contact details were incorrect - it looked like someone created an email address to sound like me. I queried when the orders were placed and they confirmed it was after I left the property.

The debt collection company tried to argue that I had still placed the order, but after escalating it and being able to prove I was no longer living at the property the case was closed. However, it still remains on my credit report.

I'm just thinking 3 years on and now that I'm a bit older and wiser. Is there something I can do in order of compensation? I have no way of 100% proving it was my ex-housemate who ran up the debt, but realistically who else could it be? But up until now it seems like he was gotten away with it. Legally would I have a leg to stand on if I challenged him? I know he's not a wealthy individual, so would it even be worthwhile trying to salvage something from it.
Dealing with Debt / Re: Wifes Debt
« Last post by Scrooge on Dec 10, 2018, 06:56:37 PM »
Hi, you cannot be pursued for her debt as long as it is in her sole name. An IVA is normally set up to repay multiple creditors. Have you seen the paperwork for this IVA? If she has ran up this large debt on 1 card, there is very probably more debt if she has other ways of obtaining credit. I think you need to find out whether there's more debt or not. Do you live in England? The law is different there from Scotland. In England they can take Court action and send baillifs round to attach household goods. Saying the goods are yours may not be enough to stop them, you need receipts as proof they belong to you. If you do get threatened with Court action, move anything of value such as cars/TVs/jewellery/laptops/tools etc they could seize to another address.
Dealing with Debt / Re: Bankruptcy
« Last post by Scrooge on Dec 10, 2018, 06:51:51 PM »
Hi, nobody can answer your question without a lot more information: IE where you live, what the debts are, how much they are etc etc. Bankruptcy may not be the best option. It depends on multiple factors, including whether you have assets or not. The worst thing you can do is 'dither', you need to find out what your best option is asap and do it, because if you wait too long you're giving the creditors time to get on top of you. Then you may not have any options!
Over 104,000 views now, well done everyone! This must be turning the tide against this despicable system. ;D ;D ;D

Dealing with Debt / I just want to say hi
« Last post by RandyRaw on Dec 04, 2018, 08:46:34 PM »
hi I just want to say hi, I really love this forum! Have a great day
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