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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.

    Comment


    • 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.

      Comment


      • Should I Have heard about mediation by now?

        Comment


        • 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.

          Comment


          • 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.

            Comment


            • 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, 19:08.
              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.

              Comment


              • 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. My Direct Line is 0151 254 6986 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

                  Comment


                  • Debt 15 Newday (Aqua)
                    Opened: September 2014
                    Type: Credit Card
                    Current Balance: £285
                    Last payment: May 2019
                    Last full payment: 2019
                    Arrangement: None
                    Status: Default | 31/12/19
                    Owner: Cabot Financial
                    2020
                    February - Cabot Financial added to record report.
                    February - 'plan set up' letter received from Cabot.
                    February - 20% offer letter received
                    Last edited by debrag; 16th March 2020, 16:00.

                    Comment


                    • Originally posted by debrag View Post
                      Debt 15 Newday (Aqua)
                      Opened: September 2014
                      Type: Credit Card
                      Current Balance: £285
                      Last payment: May 2019
                      Last full payment: 2019
                      Arrangement: None
                      Status: Default | 31/12/19
                      Owner: Cabot Financial

                      2020
                      February - Cabot Financial added to record report.
                      So I now have 2 defaults for the same account.

                      Comment


                      • Debt 15 Newday (Marbles)
                        Opened: July 2017
                        Type: Credit Card
                        Current Balance: £741
                        Last payment: May 2019
                        Last full payment: 2019
                        Arrangement: None
                        Status: Default | Date ?
                        Owner: Cabot Financial
                        2020
                        January - Received assignment letter from Marbles and welcome letter from Cabot
                        February - Cabot Financial added to record report.
                        February - 'plan set up' letter received from Cabot.
                        February - 20% offer letter received
                        Last edited by debrag; 16th March 2020, 16:01.

                        Comment


                        • Originally posted by debrag View Post
                          Debt 15 Newday (Marbles)
                          Opened: July 2017
                          Type: Credit Card
                          Current Balance: £741
                          Last payment: May 2019
                          Last full payment: 2019
                          Arrangement: None
                          Status: Default | Date ?
                          Owner: Cabot Financial
                          2020
                          January - Received assignment letter from Marbles and welcome letter from Cabot
                          February - Cabot Financial added to record report.
                          February - 'plan set up' letter received from Cabot.
                          Should I be ignoring or setting up payment?
                          Last edited by debrag; 11th February 2020, 12:41.

                          Comment


                          • Originally posted by debrag View Post
                            Debt 3 Very
                            Opened: December 2016
                            Type: Catalogue
                            Current Balance: £767
                            Last payment: £1.00 | July 2018
                            Last fill payment: November 2017
                            Arrangement: DMP / Not paying May 2018
                            Status: Late payment / Default 02/19
                            Owner: Very (NCO) / Lowell
                            2017
                            December - NCO letter, 'we are acting on behalf of Shop Direct'

                            2018
                            January - Very statement
                            March - NCO letter, Notice of Sums of Arrears under CCA 1974
                            March - NCO letter, Total outstanding letter
                            March - NCO letter, Confirmation of the following payment arrangement (£1)
                            May - NCO letter - Concerns regarding overdue account
                            June - Very statement
                            July - Statement received along with arrears letter and fact sheet
                            September - Credit limit has been reduced to £850.
                            October - Received secure letter via email / message on account letting me know 'we appear to have not received your most recent payment' and that I have £401.13 in arrears
                            November - Received secure letter via email / message on account letting me know 'we appear to have not received your most recent payment', overdue payment is for £426.80.
                            December - Received secure letter via email ;The Customer Arrears Support Team need to speak to you, please get in touch.' Overdue amount of £450.67.
                            December - Received secure 'please contact us' letter. 'You are seriously in arrears'.
                            January - Received statement. Balance £767.73, min payment £493.50, arrears £472.87


                            2019
                            January - Default notice received. In breach of arrears of £472.87 to be paid before 30th Jan 2019. Further enforcement action to be taken if not paid. Full balance is £767.73.
                            Februrary - Welcome letter received from Lowell, along with assignment letter from Very/.Shop direct
                            May - Received 'your payment is overdue' letter
                            June - Received a 20% discount offer.
                            July - Received an overdue payment letter
                            July - Another 20% off settlement letter received
                            August - Pre-legal assessment letter and annual statement received.
                            August - 2nd pre-legal assessment letter
                            August - Sent CCA request letter
                            August - Receive a £50 cheque for my complaint ??
                            October - Received CCA in the post


                            2020
                            February - Recieved letter from Lowell about repayment plans, suggesting £30 a month + annual statement.
                            Am I looking at Lowell starting up their demands again? I shall just ignore.

                            Comment


                            • Looks like you have hit the cycle again. I would do what you have been doing

                              Comment


                              • So should I have 2 defaults for 1 debt on file?

                                Comment

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