Cause they weren’t writing to me here I didn’t do it yet but will now . Is it suspend warrant or reduction in payment offer? And what am I offering to pay instead? thanks

So finally got a letter from Lowell at my current address who have been writing to my old address saying that I’m £300 in arrears in ccj payments and they’re now considering bailiffs and I have 14 days to pay or call if I can’t. so do I contact them and tell them I can’t pay or fill in the income form for the court? thanks

Well if they’ve written to me here then they know it right? Is that not a reason to defend it? I don’t really understand what counts as a good reason

Hi i just found a letter dated sept 2018 at my current address from Lowell who have applied for a CCj at my old address. Can I use this as proof to get the ccj set aside?

Well I’ve obviously paid some of my creditors or i’d Be even worse off so I don’t qualify for a DRO either then. So sounds like there’s nothing else I can do then

So if they’ve written to me at my current address just before the claim but I’ve not updated them I can’t apply for it to be set aside cause I didn’t formally update them? Also if I do contact them is there a chance they can reissue the ccj so I get the 31 days to pay like bw legal did? I’m not really sure what to do about those two. this also brings me back to my original question about a DRO cause I don’t want to be chased for the rest of my life. 3 debts are already formalised I only have 2 more defaults after them and 1 I don’t have a chance in hell of ever paying

They’re not chasing me at this address but did write to me here so don’t know why the ccjs went to old addresses unless they were fishing to see if I was really here and the ccj has to go to the address they have in record. So to clarify the ccjs fall off automatically after 6 years whether cleared or not? Or only if cleared? What about what dx100uk said about irresponsible lending?

So does that mean i’ll Have them forever then? I assume ccjs drop off 6 years after cleared? Also what about the other two ccjs? Doesn’t the fact that I’m on the electoral roll count or do I have to notify them personally of a change of address?

Yes N244

Yes. Had a letter saying that I had to pay £50 a month starting January I think and then another letter saying I’d missed the payments. I also took my brothers advice to write to the court asking for the judgement to be set aside. He’s successfully done it before but not even sure what grounds he wanted me to argue it on. But that just resulted in the court telling me to fill out a form and submit it which I’ve not done after reading more about it on this forum

Heres the pdf. sorry it took a while to do. bwlegal.pdf

So should I do an N245 form?

I know now I should have responded. I took out the vanquis in 2011. Credit file says default is April 2013 but I wondered if I stopped paying before that which is why I called.

I received a letter from bw legal saying a ccj had been issued against me and they’d included the form. it was a county court form and my old address was on the left crossed out in red pen and my new address on the right in the second defendant box. It had a red date stamp on the bottom so I guess they sent it back to the courts and got it amended maybe?? However I ignored it cause it came from bw legal and not the courts Thought I’d be proactive and find out when I last paid vanquis but they said they don’t hold any information as it was all passed to Lowell in 2013.

I received a ccj through the post which looked like it had originally been sent to my old address then amended and sent to my current address. I checked my credit report and turns out I have 3 at old addresses. I missed the 30 day deadline to pay them due to going to the wrong addresses but don’t have the money to pay them anyway. They are 1. Lowell’s £241 for a H&M account 2. Lowell’s £549 for a credit card 3. BW legal £414 pay day loan -i took out for partner but he never paid they we’re all due to be statute barred this year accord to my credit report. ive lived at my current address 18 months and on the electoral roll since day one. Two ccjs went to my last registered address which I left in 2016 and one went to the address before that which I left in 2012. 2016 I moved into a woman’s refuge due to domestic abuse inc financial abuse where my partner would give me “pocket money” and clearly hid letters about debts as he’d told me he’d paid them! He even lied to hmrc about his income causing an over payment that I now have to pay back! I haven’t worked since 2013 as had to stay home with the kids while he worked and since being on my own childcare proved to expensive to go back to work. I called step change and they’ve said to offer a token £1 payment using form N245 as my income is -£250 a month so I don’t have the money to pay the ccjs. i was thinking a DRO might be better as I have other debts on my credit file too including another pay day loan coming up for statute barred so they’re likely to apply for another ccj. i really don’t want bailiffs turning up

A bit more than wrong address but yes they’ve all gone to diff addresses and only found out cause they’re on my credit file. I’ll start a new thread but why do you say no to DRO?

A bit over a year since I last asked for advice on here https://www.consumeractiongroup.co.uk/forum/showthread.php?477491-Honours-want-full-payment not spoken to link since but it’s on my credit file. another dca have added ccjs onto my file (3 totalling £1100) I spoke to step change who said offer a token payment of £1 as my income and expenditure shows I have a deficit of minus £250 a month. I’m just trying to pay my rent, council tax and utilities. Even food is a struggle. so even offering £1 is rubbish! Step change have said no but can a DRO clear the student loan debt from Link? I’m screwed for a min 6 years anyway when I have so little I don’t want to be scared that bailiffs will be knocking at my door and taking my kids limited toys

Well I emailed honours and they said it's now with link. I don't remember getting any letters about it. So what are my options now?

I emailed them to ask about the deferments and that's what they've told me

I forgot to notify them of change of address and stopped deferring so they're now chasing for the full amount of my 1998 loans. I've been a stay at home mum since 2013 so no income at all. They've passed it on to Link Financial which I'm assuming is their debt collection agency. They've said my last deferment ended 2014. Which might be right as I moved that year. They've also said I've breech the terms ie cannot defer anymore and loan won't end at 50 I can't declare bankruptcy or do an IVA. Unless I win the lottery there's no way I can pay this and don't want a ccj. What are my options if any? Thanks

Yes

I think I did which is why there was a huge gap between me losing my job and then agreeing to the £1. Think I took the payment break in between do 2004-2005

No not had any communication with them since 2005 when I set up the £1 agreement. As I said I left my old address in 2009 so that's where any correspondence would have gone. I thought monument was taken over by Barclays or someone else? I disputed it on my credit file with equifax as I haven't heard from them in years so how could a default appear on my credit file with no record of previous payments. That was their response back

I took out a monument card in 2000 and lost my job in 2003 and agreed to pay £1 a month. I stopped paying this at some point and just ignored any correspondence. I know monument was taken over by someone else and the debt stopped appearing on my credit file. fast forward 2016 I get a letter from arrow debt collectors saying they now have the debt and want payment. I ignored it as surely it's statute barred. 2017 I look at my credit file and it's on there with a default date of 2015!!!! The debt is there at my old address which I left in 2009! I disputed it on my credit file and got the following response "No Change by Arrow The lender has advised that : When Arrow Global acquired this account on 22.12.2014 the account was not statute barred. The last payment was 14.09.2010 for £1.00. The customer was sent a notice of assignment, 2 notice of arrears prior to default and then a default notice. The account will remain on the credit file for a period of six years from the date of default." That is absolutely ridiculous as they're saying even though I stopped paying in 2010 they've issued a default 5 years later!! Is that even allowed?? I thought it had to be after a few missed payments. What can I do?

So it isn't statute barred or it is? I assume if I ignore the DCA they'll just keep writing but won't take me to court? Thanks for the link I will send of the the SAR!