***WON*** debs65

[debs65]

Re: debs65

sent N180 recorded delivery yesterday and ALL the letters I have sent re this I have sent to both BC and Lowell and all by recorded and kept copies! just covering my back! thanks amethyst. truly don't know how I could have got this far without you, nemesis and the support and help on here xxxxxxxxx

[Amethyst]

Re: debs65

Perfect xxx Remember that a lot of this process is just like a big game of chess, just waiting for each parties next move and seeing who gives in and knocks their King over first xx

[nemesis45]

Re: debs65

Consider ne nudged:tinysmile_cry_t:.
Sorry I missed your post, we've had a couple of power cuts that have caused some problems.
Amethyst is correct an " unrecorded" search is a "tracing" check often done when debt purchaser starts to pursue a debt.
These searches are for your eyes only. It is not an in depth search.
Your 2nd default from a "cosmetic" company (Avon?) it's is their practice to place a default if goods or payments are not made/returned in accordance with the Ts & Cs.

Lowell may have acquired this debt, watch the CRA files the entry suddenly shows " settled" it indicates it has been sold on.

As to the alleged debt itself, is the value of the goods you hold equivalent to that which you are owed?

[debs65]

Re: debs65

Confused what you mean nem. Only one default on my file- the cosmetics one. Not worried about that. I can sort that. Funny how it's only on experience and not other reports! I just wondered if lowell could see one default and assume it was them ha!

[debs65]

Re: debs65

Experian. Damned phone changing my words!

[nemesis45]

Re: debs65

Lowell I think did not do an in depth search so will not have seen the entry.

[Mr $quanda£ot]

Re: debs65

Mr $quanda£ot .. I know its not worth having a CCJ for over £600 - what do you mean though? are you saying I should pay regardless? if that's the case... I can't! I don't have access to that kind of money! I am desperately trying to prove its statute barred. been nothing on my credit file and still trying to get BC and/or Lowell to provide info.

I would wait and see if it's statute barred.

If it's not, I would then try to negotiate with them at all costs to avoid a CCJ.

If it is statute barred, end of story.

[debs65]

Re: debs65

it has to be statute barred. nothing on credit reports and I have checked 4 $quanda£ot

[debs65]

Re: debs65

how long does it normally take from sending N180 to hearing anything? been over 2 weeks now. and its almost 4 weeks since I demanded proof of the alleged £1 payment BC said I made in 2009. checked yet another credit report and again nothing re this default.

[debs65]

Re: debs65

still not heard anything. anyone advise please

[debs65]

Re: debs65

still not heard anything!! N180 was sent way before 15th January n demand for the alleged £1 payment sent 2 weeks before n still not heard anything. is this normal practice???

[nemesis45]

Re: debs65

See your other thread.

Phone court to see if the claim has been stayed.

nem

[debs65]

Re: debs65

Hi [MENTION=29921]nemesis[/MENTION] [MENTION=6]Amethyst[/MENTION]. came home earlier to big envelope from BC. Cover letter says...."Further to your defence please find attached statements for your information"....
I've not had chance to ring court yet re nem saying could be stayed so I am so confused!!!!
As letter says further to your defence ... has this something to do with court proceedings? (I am worried as heard nothing since N180) or is it in response to me demanding proof of alleged £1 payment?
With regard to the alleged £1... the statement shows all transactions and, between 22/09/06 to 22/06/13 the balance remains the same (no £1 payment in Dec 2009 ). what do I do now???

[nemesis45]

Re: debs65

Hello Debs,

If there is no mention of the £ 1 alleged payment, this I think could indicate that
the payment if made was for a CCA request which would not be credited to the
account.

I take there has been no further mention/denial of the SB status of the debt?

nem

[debs65]

Re: debs65

They claimed last year it wasn't SB due to alleged £1. I can't remember if I sent a cca request in 2009. I certainly received no cca- that I would remember. Should I write again?