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Received a claim? Yes
Issue Date: 9-4-2015
Amount approx: 5000
Claimant: Cabot
Solicitor: Restons
Original Credit: Halifax
Particulars of Claim:
The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Halifax dated on or about Aug 14 2000 and assigned to the Claimant on May 21 2013
Particulars a/c no xxxxx
Date ITEM VALUE
09/02/2015 Default Balance 5000
Post Refrl Cr NIL
Total 5000
Stat Barred? No
Have sent: Acknowledged the Claim
Other Info:
I believe this is from an overdraft from 4 years ago when I lost my job and had medical issues. It became a joint account a few years before that and was originally a student account so I'm doubting any signatures anywhere. i definitely don't want it to impact my spouse who has fine credit otherwise, but she has been named co-defendant.
I am back on my feet now and paying off c £20,000 of overdue HMRC taxes first and have unreliable (but occasionally) chunky income.
I anticipate paying off HMRC by next year (they've been very good with leeway, perhaps as it was originally £50k and I have a disabled child). and have a further £70,000 of debt to pay off after that, £15,000 of which is currently with a CCJ on an MBNA that I have just found out was served to my old address despite informing them that I moved (and have acknowledgement from them of the address update).
I will be getting a lump sum of around £2-3k from family to help with debts next month but was going to spend it on the tax bill.
I have filed acknowledgement, do I now ask them for all forms showing the amount owed and how it was calculated? Is this a CPR 31.14 form?
If all is in order do I offer them a full and final settlement explaining my situation at that point?
I am in the last stages of interview for a regular job back in financial services and doubt I'll be able to pass the FSA approved person test with a CCJ (trying to get the other one overturned).
Thank you
Issue Date: 9-4-2015
Amount approx: 5000
Claimant: Cabot
Solicitor: Restons
Original Credit: Halifax
Particulars of Claim:
The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Halifax dated on or about Aug 14 2000 and assigned to the Claimant on May 21 2013
Particulars a/c no xxxxx
Date ITEM VALUE
09/02/2015 Default Balance 5000
Post Refrl Cr NIL
Total 5000
Stat Barred? No
Have sent: Acknowledged the Claim
Other Info:
I believe this is from an overdraft from 4 years ago when I lost my job and had medical issues. It became a joint account a few years before that and was originally a student account so I'm doubting any signatures anywhere. i definitely don't want it to impact my spouse who has fine credit otherwise, but she has been named co-defendant.
I am back on my feet now and paying off c £20,000 of overdue HMRC taxes first and have unreliable (but occasionally) chunky income.
I anticipate paying off HMRC by next year (they've been very good with leeway, perhaps as it was originally £50k and I have a disabled child). and have a further £70,000 of debt to pay off after that, £15,000 of which is currently with a CCJ on an MBNA that I have just found out was served to my old address despite informing them that I moved (and have acknowledgement from them of the address update).
I will be getting a lump sum of around £2-3k from family to help with debts next month but was going to spend it on the tax bill.
I have filed acknowledgement, do I now ask them for all forms showing the amount owed and how it was calculated? Is this a CPR 31.14 form?
If all is in order do I offer them a full and final settlement explaining my situation at that point?
I am in the last stages of interview for a regular job back in financial services and doubt I'll be able to pass the FSA approved person test with a CCJ (trying to get the other one overturned).
Thank you
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