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  • Originally posted by cymruambyth View Post
    If you get a CCJ you have 30 days to pay it off so that it doesn’t appear on your record. You can also apply to the court to pay by instalments.
    I'd need to pay it off in full if it gets to a CCJ so it doesn't go on my file. Was thinking I may get away with instalments and no CCJ through mediation.

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    • you mean negotiate a Tomlin Order? you need to get advise on that sure somebody will advise here??
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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      • Should I Have heard about mediation by now?

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        • they will contact when your case comes up on the pile
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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          • Originally posted by The Tech Clerk View Post
            they will contact when your case comes up on the pile
            Hopefully not for a while then I have 155 so far towards the payment if/when needed.

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            • Have you spoken to Diana Mayhew ? as you have a N 1?? for up date [possible info
              Last edited by The Tech Clerk; 16th November 2019, 18:08.
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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              • Originally posted by debrag View Post
                Debt 1 Natwest Loan
                Opened: August 2016
                Type: Loan
                Current Balance: £4889
                Last payment: £1.00 | June 2018
                Last fill payment: December 2017
                Arrangement: DMP till May 2018
                Status: Defaulted August 2018
                2018
                March - Collections letter, i+e attached, ignored
                April - closing of accounts letter, payment proposal form attached, ignored
                May - Formal notice of intention to file a default
                June - Notice of arrears in compliance with CCA 1974
                June - Notice of refund of interest (£468
                June - You have fail to comply letter received
                July - changes to ongoing management of repayment plan, partnered with Wescot, in touch within 14 days to management provider (no longer with them)
                August - yearly statement received
                September - credit report updated and loan is closed. Account defaulted August 2018


                2019
                August - Letter received from AIC they are now managing my account on Natwest's behalf

                2020
                January - Letter received from NatWest to say the collection agent they are now using is Zinc as their previous ones (I assume AIC) couldn't come to a suitable arrangement. I have been sent the same letter for all my 7 accounts! None are active, most were savings accounts and only 3 are on my credit report.
                Any suggestions on what I should do?. Just ignore til I receive letters from Zinc?

                Comment


                • Originally posted by debrag View Post

                  Any suggestions on what I should do?. Just ignore til I receive letters from Zinc?

                  Yes, my suggestion is you can ignore that NatWest letter (all seven of them!).

                  Wait until Zinc write to you.

                  Hopefully NatWest will assign this account to a debt purchaser soon, possibly after another three months of writing because that'll be two years since your last payment to them, assuming I've got the dates right from your thread post.

                  Di
                  Legal Disclaimer

                  I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

                  Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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