Hiya,
im absolutely desperate for some help on a ‘Claim Form’ received from CCBC.
The Claimant is ‘Lowell’ who are seeking money’s owed on a ‘Tesco Credit Card’ took out in 2007 which defaulted more than 6years ago and has dropped off my credit file... But the last payment paid towards this debt was via a debt management company on the 6th August 2014 (which ended due to something that happened to the plan / company? Can’t really remember).
I have admittedly ignored any correspondence from any debt collection company and think I have ended up in an hole now (and have paid for it so badly over the years due to the effect this has had on my credit file), silly things I did when I was young and didn’t understand the consequences!
Now do I challenge the debt to see if they hold the correct paperwork to enforce or do I admit guilt? But by admitting at this stage I would not be able to pay In full and would this lead to a CCJ?
The letter was sent dated the 27/07/18 and I have done nothing with it as I thought this was a fake letter because of how poor the quality is and the none official markings, but after doing a bit of research online I’m quite worried sick about it.
I have tried to follow other certain forums but it just confuses the living daylights out of me! Apologies now for the amateurness.
Many Thanks
Marc
im absolutely desperate for some help on a ‘Claim Form’ received from CCBC.
The Claimant is ‘Lowell’ who are seeking money’s owed on a ‘Tesco Credit Card’ took out in 2007 which defaulted more than 6years ago and has dropped off my credit file... But the last payment paid towards this debt was via a debt management company on the 6th August 2014 (which ended due to something that happened to the plan / company? Can’t really remember).
I have admittedly ignored any correspondence from any debt collection company and think I have ended up in an hole now (and have paid for it so badly over the years due to the effect this has had on my credit file), silly things I did when I was young and didn’t understand the consequences!
Now do I challenge the debt to see if they hold the correct paperwork to enforce or do I admit guilt? But by admitting at this stage I would not be able to pay In full and would this lead to a CCJ?
The letter was sent dated the 27/07/18 and I have done nothing with it as I thought this was a fake letter because of how poor the quality is and the none official markings, but after doing a bit of research online I’m quite worried sick about it.
I have tried to follow other certain forums but it just confuses the living daylights out of me! Apologies now for the amateurness.
Many Thanks
Marc
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