janet37
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Everything posted by janet37
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And how is it that one minute its a charge on my house next thing they are all out to make me bankrupt... its ,mental cruelty!! What would a judge ask for as proof of statue bar I have copies of statements that show the last payment date as 14/12/2006, I sorry for all these questions. this letter has upset me ,
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I am lurching from being frightend of losing my house to being so angry. then trying to put it in to perspective this was an unssecured credit card debt andthey are theatening to make me bankrupt and sell my house, there is not much equity in the property and it is jointly owned with my husband, surely they cant get away with this!
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Thank you so much for all your support, I will start the setaside tommorow as I have some time off, will I need to get any forms from anywhere or will I be able to fill them in online?
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Hi thanks for you quick reply, I did send them the same letter by recorded delivery at the end of last week. there is an email adress on this letter should I email them the letter as well? sorry to appear a bit stupid but this is making me so frightened, I know that they are bullies by reading around this forum,
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Hi have had a letter from BW legal today dated 04/02/2013 it says that you were served a statutory demand by way of substituted service on 30/01/2013 please contact mathew leech at this office as soon as possible. If we fail to recieve a response from you by the 20/02/2013 we will send a bankruptcy petition to court to be issued, then it goes on to say what a bankruptcy order is... frightening me to death! the last paragrah says that in order to avoid us submitting a bankruptcy pettition to the court please contact us before the 20/02/13 to arrange a payment solution I dont know what to do , I have posted them the letter about the debt being over six years old and they have clearly ignored this. What is the best thing to do?
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Thanks once again for all the help. I will start the set aside at the end of the week when iI have some time off.
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Hi sorry, I did not make it clear I ramble a bit! I did post the same letter to BW legal as well I have not heard anything from them yet, should I hold back and see what they come back with?
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Hi this is the reply I have received from Lowells, should I wait for them to contact me again or should I start the setaside procedure? I confirm that your query has now been passed to the Customer Services Department who will carry out a thorough review We will respond as soon as possible but this may take up to 28 working days. In the meantime, I can assure you that the account will be placed on hold, and we will stop all collections activity whilst dealing with your query. Please do not respond to this email as it is an automated acknowledgement. However, if you do have any further queries and want to speak to a member of the Customer Service Team, please do not hesitate to call us on: 0844 844 4716*.
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Thanks for your replys, yes they have issued a statutory demand for this same debt , i found it in a pile of lettters they have sent me, i was quite unwell at the time and must of ignored it. because I know that I have done nothing about it, it must of been years ago but there is no date on it. it is worded differentley to this latest one, there is a statement about making me bankrupt but it has had a line put through it, and another statement about putting a charge on my house has been left without a line through it.
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Just a quick up date I have had no contact by email from Lowell not even an automated reply to my email informing them that this debt is statute barred, is this usual with them?
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I have had no CCJs or court claims I knew about the debt as I stopped paying after they refused to reduce late payment charges, I have been an ostrich and burried head in sand, but i cant live with the threat of them knocking on the door any more, and after reading some helpfull comments and advice on this forum I am going to try and deal with it.
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Thanks so much for all the help You have given me, I feel that at least I am standing up to them( even if Im shaking) I have sent lowells the email as sugested above and also the statue barred letter , I have also sent the statute barred letter to the legal company that served the SD. I will keep you all updated ..Probably be asking a load more questions!
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Thankyou, I have looked at the date on the latest statutory demand and it is 15/01/2013 but it was put through my letter box yesterday does that mean that I will be unable to get it set aside or dispute it as the 18 days will have passed.
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Thankyou I will do this now should I stll send the statute barred letter to them and their legal company BW Legal, I have been going through some paper work, and have found another statutory demand from lowells for the same debtt, it must of been sent years ago,but i can not find a date on that, they have obviously served it but not taken any action. that also states the default date as 31/07/2007 the day they were assigned the debt from creation finance, do you think the debt is statute barred? I know that the last contact I had with them was when I made the last payment.14/12/2006, once again thanks for all advice I have been given
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Thank you all so much for all the advise. It is a store card debt with creation finance, it was passsed around a number of debt collectors, but i never replyed to any of them as I had stopped paying as I was arguing with creation over late payment charges. I made that last payment and spoke to them on telephone about late payment charges and told them i would be making no more payments until they reduced these.They sent two more statements and these are just charges. At some point I did send lowelss CCA letter but did say that I did not acknowledge any debt to them or creation finance. They sent the statements to me that I have now, they are copies, and they also sent a copy ofthe application form for the credit card. It all went quiet, and now this, I was quite unwell at the time and just ignored it as I did not know what to do. i Have emailed them and informed them that this debt is SB but i just got an automated reply should I ring them? but to be honest I am not very strong at the moment, sorry for such a long post. and thank you i am starting to feel a bit better.
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It was put through letter box today, I have a copy of a statement that cofirms last payment was on 14/12/2006, thank you for your reply, i am so worried about this.
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Can any one offer any advice RE statutory demand which has been put through my letter box, it is for a credit card debt 3500 , i last made a payment on this card in december 2006. i failed to make payments after that date, i do not know what to do now . any advice would be greatly apreciated.
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