Can I just contest on grounds of wrong address/no knowledge?

The debt was due to be statute barred next month. It is an old MBNA debt that has been through various debt agencies. I have only ever been provided with a copy of an application form.

Bryan Carter have issued a CCJ against me after my alleged debt was purchased by Fredrickson from Lowell. Lowell have my correct address and email address and I have confirmation that they updated their records with these. However Bryan Carter used my old address to serve CCJ papers and I knew nothing until it appeared this month on my credit report. Bryan Carter have confirmed they had both addresses but had my OLD address as the new one and my current address as the former one. Can someone kindly advise how I get the CCJ set aside.

I use noodle and annualcreditreport.

http://s843.photobucket.com/user/oneahead1/media/mbna003_zpsb9d55224.jpg.html

I have a 13 year old loan with MBNA, last payment 4 years ago. Been around quite a few DCA's. Have been offered all kinds of deals like pay 50% etc...No longer on credit report. My question is....why are they all shying away from legal action. I have done a SAR and requested CCA and to be honest cannot find anything wrong. I always reply stating account is in dispute and cca not valid. They reply and threaten and never do anything.

I honestly do not remember, would that make a difference?

I have an outstanding debt that is no longer on my credit reports. It is a MBNA loan being chased by 1st Credit. Last payment approx 4 years ago. Loan taken out 13 years ago. Why would it disappear from my reports?

I have now been contacted by the Lewis Group over 2 Co-Op credit card debts. These must be about the fifth group of debt collectors to try their luck. I have successfully got rid of all the others and will use the same letters/procedures as before. My question is this - how long and how many companies will the Co-Op use, are they likely to give up or will it pass around forever and a day!! Also, are there any specific letter templates out there that i can use in these circumstances?

Best ignore my extra lieu day comment, it is a day granted each year for Christmas shopping and is classed as a days extra holiday. That leaves 8 double time Bank Holidays (if worked). If my contract states that i get double time for a Bank Holiday how can they only pay single time on the Tuesday Bank Holiday??

My contract states that i receive double time for bank holidays. The Bank Holidays are stated in the contract by name, Christmas Day, Boxing day etc...there are 8 in total plus an additional lieu day that is granted. The operation is 24 hours, 6 days a week, with the operation closed on a Saturday night (I am a permanent night shift worker). The day staff operate on a 7 day rota. I am rostered to work the night of 26th Dec and 27th Dec. My understanding is that i am entitled to double pay from 00.00 hours on each shift due to the Monday and Tuesday being the Bank Holidays this year. My employer is telling us that we are only entitled to one shift at double time and is asking us to vote on whether we want the Monday or Tuesday. It all smells a bit fishy to me, is there anyone who can advise me if they are within their rights??

Would it not be better to reply and ask for further proof than ignore?

The photographs clearly show my vehicle.

I have received a £50 notice for overstaying a 90 minute limit by 45 minutes. They have sent photographic evidence. My visit included 2 seperate purchases at the store at different times. Do i write and explain or follow the template letters on here and ask for proof of driver at the time. Any help greatly appreciated.

I was given a date by which to pay the first installment on the original judgement but because this is impossible to pay (hence my redetermination hearing) no payment was made. Can they now apply for a charging order even though i have appealed?

I have just received a CCJ. Claim was admitted by myself and expenditure form completed. The court has decided that i should pay over £200 a month on a £5,500 debt until cleared. I offered £15 a month on the expenditure form. I am challenging the amount and believe this will be held at my local court. My questions are : Will i have to take proof of income/outgoings? What are the chances of getting the amount reduced? There is no way i can afford this monthly amount and i am afraid i will lose my home. Can anyone, from experience, tell me what the likely outcome will be?

Many thanks. I only requested the credit agreement but will now request the other documentation.

Debt is credit card. Issue date of claim form is 14th June. Yes CPR used to request documentation. "The Claiment is the Assignee of a debt from Goldfish Bank. Notice of Assignment having been given to the Defendant in writing. Despite demand for payment ****>** remains due. The Claimant claims ****>** and interest under s.69 County Courts Act 1984 and costs" They have sent me a representation letter of a Notice of Assignment. I have no default/termination letters although these may have been sent. Do i need to SAR? and if so whom?

I have a claim form from Northampton for a Cabot debt, Morgans are the solicitors. Details are as follows:- Debt above 5,000 and below 10,000 Originally Morgan Stanley Requested agreement early 2009, received Sept 2009 CCA does not contain prescribed terms Requested again pursuant to CPR and same copy provided My agreement is signed and dated by both parties They state the prescribed terms are contained in a seperate page which would have been page 2 of the CCA. They have sent a copy of the supposed 2nd page. There is nothing to indicate that this belongs to my agreement. I have acknowledged claim online and will defend. If anyone can help it would be greatly appreciated.

Just received letter from Morgan solicitors on behalf of Cabot. They say i am obliged to reply by virtue of Practice Direction. In short, i have been down the usual route for documentation pursuant to Civil Procedures. I have only received the following. A very poor copy of an application with no prescribed terms. A copy of a credit agreement with no personal details - just a generic copy. A reproduction letter "welcome to Cabot" with no personal details. Cabot response - legibility of document was clear at time of entering agreement, copies of NOA's are not retained on record and was sent to last known address, ( i have no such letter ). No payment has been made since Feb 2009 when account was put in dispute. I have no default notices but may have received one. What should my next step be? Should i now SAR? Thanks in advance.

Yes it is Val. No other letter about arrears. They have passed it to Fredrickson, i have replied and they have put account on hold. I have a copy of my application form (that is all they can provide me with) which is not readable and not worth scanning on here.

Default letter dated 11th August, 2 terminations letters one dated 28th August next dated 11th December. How can they terminate an account that has already been terminated? I do not know the exact dates these were received.

Yes Pinky - Default notice has given me 14 days from date of letter. What is my next course of action?

My current offer of payment has been refused on 2 credit card accounts. Interest had been frozen and agreed payments have been in place for a few years. They have now refused my new offer (which was double my old offer!!) terminated the accounts, added a default late payment charge and have started adding interest. Last week i sent a cca request for both accounts. Is there a specific letter/template i can use to request they freeze the interest and charges. I had previously sent an expenditure form and there is no way i can pay the interest and charges.

Yes, i did submit defence and i already have a Littlewoods letter stating they do not have an agreement:D How do i claim for my wasted time/costs?