Much appreciated Brigadier

I need thirty posts to PM

Thanks people

The county court claim was actioned by Hill Dickinson in mid may on behalf Merit finance. the judgement was made on the second of June. On the judgment paperwork itself it clearly states that Hill Dickinson are the agents administering the account and payment should be made to them.

Also I do not have anyone that I could entrust with Power of attourney in the UK

Brigadier; As far as I can recall, the debt was handed from company to company and then merit eventually purchased the balance with Hill Dickinson LLP as their legal agent. the CCJ has been ruled and served that the debt is mine. Unfortunately for me as an ex soldier i am not too savvy with things like this and also having a period in my life between 2003 and 2008 where I was not in a good place I practically ignored all correspondence from merit and other companies who had been attempting to administer this account through my own ignorance.

Hi All; I am very thankful that you guys have taken such interest in this. The debt was not on my credit file anywhere and a period of six years definately lapsed without a payment to microloans, when they went insolvent I cannot remember who picked up thier business but merit were on the scene pretty quickly, obviously purchased the debt at a small percentage of the original balance. I did state in my defence to the CCCS that I had never recieved or agreed to any contract implied verbally or in writing with merit finance but I did however accept the debt was mine, a 9mm straight to my own foot! My predicament is that I am currently working in Iraq and my means of communication are very limited ie. email only. As previously mentioned I have been emailing both the CCCS and Hill Dickinson LLP and I am yet to recieve any form of feedback or reply. The payments were made systematically from june 2nd every few days by electronic transfer, the Hill Dickinson account is a Barclays account and I use Halifax, the payments are returned always within a 24 hour period. There is record of the payment being made in 2007 to Merit finance on the paperwork which I recieved from the CCCS so I would hazard a guess that it was bonafide and legal

The last payment to Microloans themselves was made some time in 2003. I recall being sent a letter from imperial consolidated finance telling me that Microloans was being made insolvent or going bankrupt or something along those lines. TBH I was going through a bit of a bad point in my life and I wasnt really concentrating on anything but myself, changed addresses a few times and about six weeks ago the court summons came through. Merit have obviously brought the debt for a pittance and the horrible leeches are persisting. It is my debt so I should pay it really, Statuatory limitations would have timed itself out long ago had I not paid the fifty quid in 2007 but my first son had just been born and up to 5 or 6 phone calls a day from merit I cracked under the pressure that they were putting on. All a bit complex and a lot of error on my part because I did not like the way that Merit were dealing with me, they were calling at 0800 in the morning and as late as 2100 at night including weekends. the payments that I am making are being returned by Hill Dickinson for some reason and even after emailing the case handler numerous times and the court I am not getting any feedback or acknowledgement, I clearly state in my emails that I am currently overseas and that I am unreachable by post and telephone at the moment. Really want to get this sorted at the moment.

Hi there guys, All of the bank details are in order and I have checked, double checked and done everything that I can to ensure everything is in order. The last payment I made was direct to merit finance in June of 2007, they basically told me that if I paid them fifty quid a bailiff would be stood down from turning up at my home, so I paid them. Out of stubbornness I am acting solely on the instructions given to me by the CCCS, the problem I am faced with now is that I am in the middles east for two months (new job!!) and I can only get contact via email as a phone call to the uk from my mobile old be extortionate. I left the uk two weeks ago and prior to leaving I contacted every party involved and explained what was happening but to no avail. Believe me I have done everything that has been asked of me and I have given full compliance throughout the entirety. Re. Merit slapping there charges onto the debt, I contested them in court and they were removed from the balance which currently stands at 2.5k including costs, the way I saw it at the time was to accept responsibility for my debt rather than not accept the responsibility and have to swallow merits OTT charges. I will luckily be able to settle the balance in full over the next few months but it's still a CCJ on my credit file

Good evening Pepes, tis is my first post on here so please be gentle. Ok so the story so far; I took out a loan whilst serving in the Army (Microloans) in 2001, I was paying like clockwork and if I had trouble meeting a payment (once or twice) I would immediately get in touch with the loan provider which was imperial consolidated finance. I had the guarenteed payments plan on it etc. I left the Army in 2002 under medical circumstances and fell on hard times, I liaised with the provider etc and tried keeping everything above board. The loan provider goes quiet, nothing heard and I start recieving letters from the dreaded "Merit Finance" who slap around £3000 pounds of charges on it, harrassing letters phone calls the lot. Last month (admittedly after avoidance) A CCJ was served against me at the CCCS, I accepted the original balance of the loan as mine and the CCJ came back stating that due to my current personal circumstances I had to pay £1.00 a month to Merit finances instructed solicitors Hill Dickinson LLP. I have since tried to make two payments before the first payment deadline of June 22nd (today) and on both occasions it has been returned to my account. I have spoken and emailed to both Hill Dickinson and the CCCS about this and its like banging my head against a wall. The CCJ clearly states that I have been instructed to pay Hill Dickinson the sum of £1.00 on a four weekly basis to abide by the courts judgement which I have done! I informed the CCCS and they were about as much use as a chocolate fireguard and they were at a loss to suggest what to do other than contact Merit finance themselves but on my CCJ it clearly states that I am to pay the sum of £1.00 to Hill Dickinson LLP as they are the solicitors who are administering the account. After speaking to Hill Dickinson LLP they were happy to give me the account details that I should pay the amounts into and I set up a standing order immediately with the correct reference and details Hill Dickinson LLP and the CCCS supplied me with. Now as my payments have been returned to me by Hill Dickinson LLP I can only assume that I am in contempt of the courts instruction???? I have done everything that has been asked of me by the CCCS and Hill Dickinson LLP and I am not really getting anywhere fast!!! Any help or advice would be greatly recieved :-x:-x:-x:-x:-x:-x:-x:-x:-x:-x:-x:-x:-x:-x