Jump to content
Twitter - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'

wrighty1988

Registered Users

Change your profile picture
 View Profile  See their activity

  • Posts

    24

  • Joined

  • Last visited

 Content Type 

Everything posted by wrighty1988

  1. wrighty1988
    I have not received a letter. however, if I do receive one, i will scan it and upload immediately. if not, i will ignore them.
  2. wrighty1988
    This is the same phone call. I have not spoken to them since the time of the first phone call when i initially posted this message. I did not know that it was them as I haven't spoken to them in over 4 years. Unfortunately not. However, assuming that I am wrong and the balance was not settled 4 years ago as I believed it was, can they take legal action for a balance on an account that I defaulted on with the lender in 2009
  3. wrighty1988
    Thanks, but do i need to pay it? I was under the impression that it was settled anyway, but assuming it isn't - if i don't pay it, can they take legal action against me?
  4. wrighty1988
    They haven't sent any letters to me at all on it at this stage. So, to clarify, if the whole account has dropped off my credit report they can't chase me for it - even though i was still making payments on it through them until 2013?
  5. wrighty1988
    I have just been contacted by Lowell portfolio about two accounts. The second one which relates to barclaycard is below. An account with Barclaycard that I owed around £1500 on. They said i had a repayment plan set up with them which cleared the bulk of the balance (only £70 left). They said my last direct debit bounced but I have had no contact from them in the 4 years since the direct debit bounced. What is the situation with this balance? it does not show up on my credit report. If i refuse to pay, can this be added to my credit report (despite the initial default - with the actual lender - being in 2009) Any advice gratefully received.
  6. wrighty1988
    The T-mobile (now EE) was paid already. They took out a CCJ and I had the CCJ set aside and paid the balance. This one they're chasing me for now is an o2 account. I have no recollection of this at all.
  7. wrighty1988
    Hi, First of all, I apologise if this was posted in the wrong place. I have just been contacted by Lowell Portfolio about two accounts: 1. An outstanding balance with o2 for £500 odd. I have no recollection of this account. I had an account with T-mobile (now EE) which I defaulted on and have no paid up. This account was taken out in 2010 and defaulted in 2011. Therefore, if i did have an account with O2 it would have been prior to this and would therefore be statute barred? The person that I spoke to could not confirm the date of the default and have gone back to O2 to request more information - however, they have confirmed that I have never made any payments to Lowell on this account 2. An account with Barclaycard that I owed around £1500 on. They said i had a repayment plan set up with them which cleared the bulk of the balance (only £70 left). They said my last direct debit bounced but I have had no contact from them in the 4 years since the direct debit bounced. What is the situation with this balance? it does not show up on my credit report. Thanks in advance for all responses.
  8. wrighty1988
    Thanks, sorry, still trying to work my way around the site.
  9. wrighty1988
    Reposting from elsewhere as I think I've posted inaccurately Hi, I had a loan written off by Wonga in 2014 for their failure to carry out proper affordability checks. I was told this would be wiped from my credit file. However, I have since found out that although it was removed from two agencies, it still exists on one. I contacted Wonga and they told me that in actual fact, I defaulted on two loans at once (I don't understand how this happened, how I was able to take out two loans at once, but that's for another day). They wrote off both loans, but only removed the default from one. I requested a statement of my account from the lender and had taken out 11 pay day loansicon in a two year period, some ranging up to £1,000 a time. On a number of these loans, I needed to take out a top up on the loan. I have complained to the Financial Ombudsmanicon that the nature of my borrowing history should have been a clear indicator that I was in financial trouble and that by ignoring that, Wonga have failed to act as a responsible lender. I have also included copies of my bank statements which indicate that for that entire period, I was living in my overdraft. Can anyone suggest whether this is likely to be a successful approach in removing the entries from my credit file?
  10. wrighty1988
    Hi, I had a loan written off by Wonga in 2014 for their failure to carry out proper affordability checks. I was told this would be wiped from my credit file. However, I have since found out that although it was removed from two agencies, it still exists on one. I contacted Wonga and they told me that in actual fact, I defaulted on two loans at once (I don't understand how this happened, how I was able to take out two loans at once, but that's for another day). They wrote off both loans, but only removed the default from one. I requested a statement of my account from the lender and had taken out 11 pay day loans in a two year period, some ranging up to £1,000 a time. On a number of these loans, I needed to take out a top up on the loan. I have complained to the Financial Ombudsman that the nature of my borrowing history should have been a clear indicator that I was in financial trouble and that by ignoring that, Wonga have failed to act as a responsible lender. I have also included copies of my bank statements which indicate that for that entire period, I was living in my overdraft. Can anyone suggest whether this is likely to be a successful approach in removing the entries from my credit file?
  11. wrighty1988
    Hi all, Final questions The judge agreed the order based on the above: 1. Is the CCJ now set aside - how long do I need to wait before it comes off my report 2. It says I have fourteen days to pay from the date it was sealed. Is that from when the judge agrees it or when I receive something in the post etc 3. I called the management company (BW Legal) and they said that their agent hadn't confirmed the outcome yet and they'd be in touch. Granted it was only a few hours after the proposed hearing. Any advice on how to proceed?
  12. wrighty1988
    To be honest, I'm just happy to draw a line under it, hence paying it straight away. In your opinion, is this sort of arrangement likely to be accepted by the judge to ensure that the judgement is scrapped?
  13. wrighty1988
    Applying for set aside on a number of grounds - Firstly no communication was received. I have this issue a lot. There are two properties on my street with same number. One is an unoccupied flat. Secondly, it happened at a time that I was seriously unwell. I had a very high number of surgical procedures in that year and was suffering from depression. Haven't had the consent order yet. Will update once I receive it by COP today The letter says their client believes that my application is unlikely to be successful but their consent order makes 5 points: 1. The default judgement entered on (date) is set aside 2. That the defendant pays the sum within 14 days of the order being sealed by the court 3. The registration entry be and hearby cancelled 4. The claim is dismissed 5. No order as to costs Does this sound right? Grateful for any feedback on this
  14. wrighty1988
    Because if I owe the cash then I will need to pay eventually. Will entering in to a consent order increase the chances of judge approving set aside. Also, the lender has said there will be no need to attend hearing them as it will be dealt with by a judge before then. Is this true? Conscious of not taking the lender at face value but short of other outlets for advice.
  15. wrighty1988
    Due to have a hearing to set aside a CCJ next week. Lender got in touch tonight saying they would be happy to arrange a consent order and not contest my application. They are due to email me the evidence against me and if I agree then I'll pay up. What ramifications does this have on my hearing next week. Do I still need to go? What are the next steps Thanks in advance!
  16. wrighty1988
    Hi, have had a response on my application to have my CCJ set aside that's in four months time. That seems an awfully long time. Does anybody know if this sort of wait is normal?
  17. wrighty1988
    Okay, I'm amazed that I haven't received anything to be honest. If my application mentioned that but focuses mostly on health, is it worth changing that/can I change it or shPlus I just leave it until the hearing.
  18. wrighty1988
    I haven't received anything about payment either. What should I have received?
  19. wrighty1988
    The judgement was made last year in August and the reason I've only just found out is that I've only just checked my credit file. I had no idea that a judgement had been issued - I certainly didn't receive notifcation of it. Are they supposed to send notification that a judgement has been issued?
  20. wrighty1988
    what do you mean grounds for non-receipt should be allowed? I was told that I had to prove non-receipt for that to apply - which is obviously impossible to prove that you haven't received something. Any advice? On my street, there are two properties 1 house and one flat, both with the same address, but they're about 100yds apart.
  21. wrighty1988
    apologies for not providing all info, have to be honest, I have no idea what I'm doing here. Is there anything else that would be useful?
  22. wrighty1988
    The organisation are BW Legal and it's in relation to a phone bill with T-Mobile. The account balance is something like £850.
  23. wrighty1988
    Thanks. It's allegedly in relation to an unpaid phone bill from 2010. I have to confess to not being aware of any outstanding balance. And the organisation who have had the judgement issued are not one I've heard of. I've had conversations with them since but don't recall any before.
  24. wrighty1988
    Hi, General advice needed. Last year a judgement was issued against me. I was not aware of the judgement taking place. I have no recollection of receiving notice although I cannot say that with any certainty. This is because I was in the midst of some pretty severe health problems which have required multiple operations and at the time the judgement was issued, I was on morphine for pain management and anti-depressants to treat my depression. I became aware of this a couple of months ago and began seeking advice on the steps open to me. It became clear the only thing I could do was to have the judement set aside. In my application I provided a letter from my GP, information on my condition and information on the medication that I was on. Is this likely to be enough? I contacted the court this morning and they said they'd be in touch in about three weeks with a date for a hearing. Will I definitely get a hearing? What are my chances of success and do you have any suggestions for how I approach it? Thanks, Wrighty

Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:- 923 Finchley Road
London NW11 7PE

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...