New Here and worried about 1st Credt/Connaught collections WON!!!

[pammie07]

Hi all
I am new on the site thanks to a recommendation from a friend. I have read through some very interesting posts and was wondering if anyone would be able to help me or give me an idea what to do.
I received a hand written envelop on Sat 8 feb though my door with a statutory demand inside concerning Lloydstsb having no clue what too do imediatley became worried as i only had a few days to reply the actual letter was dated 24/01/14 ! years ago i had dealings with Lloyds but could not recollect any debts oweing and had not heard anything from them in years.
I called National Debt line for advice and they told me to send them a letter saying it was staute barred and fill in and return the court papers asking for it to be set aside on that basis which i dai.
in the mean time i contacted Experian to see what was on my file and this was not on there as far as i could see.
This saturday i got a letter back from Connaught saying that the debt was not statue barred and that i made a payment on in 2009 they attached to it a plain paper print out with a list of dates and payments. i have no paperwork from my bank dating so far back. I don't know what to do now as they are giving me 14 days to contact them about payment and i have already asked for a court date and have not told Connaught that i applied to have it set aside.
national debtline are just confusing me with all this talk of bankruptcy, what do I do ?? im completly lost and i dont have any money to pay this and i don't even know if i owe it
any help would be gratefully received.
pammie07

[FlamingParrot]

Re: New Here and worried about 1st Credt/Connaught collections !

Hi all
I am new on the site thanks to a recommendation from a friend. I have read through some very interesting posts and was wondering if anyone would be able to help me or give me an idea what to do.
I received a hand written envelop on Sat 8 feb though my door with a statutory demand inside concerning Lloydstsb having no clue what too do imediatley became worried as i only had a few days to reply the actual letter was dated 24/01/14 !

Hi and welcome to LB!

A very good recommendation indeed, :clap2: :clap2: as Cel, one of the site owners, has an outstanding record when it comes to setting aside statutory demands! :yo: :yo: :yo:

At the last count, she had set aside over 65! :grin:

Pre-dating SDs seems to be a trick intended to make people think they've missed their chance to apply for set aside, :mad2: :mad2: :mad2: a trick very often used by Lowell, its use seems to be spreading.

However, what counts is the DATE OF SERVICE, not the date on the SD. :thumb:

years ago i had dealings with Lloyds but could not recollect any debts oweing and had not heard anything from them in years.
I called National Debt line for advice and they told me to send them a letter saying it was staute barred and fill in and return the court papers asking for it to be set aside on that basis which i dai.
in the mean time i contacted Experian to see what was on my file and this was not on there as far as i could see.

If you defaulted over 6 years ago, the default would have dropped off, however this is no guarantee of SB status, not if payments were made after defaulting.

This saturday i got a letter back from Connaught saying that the debt was not statue barred and that i made a payment on in 2009 they attached to it a plain paper print out with a list of dates and payments. i have no paperwork from my bank dating so far back. I don't know what to do now as they are giving me 14 days to contact them about payment and i have already asked for a court date and have not told Connaught that i applied to have it set aside.
national debtline are just confusing me with all this talk of bankruptcy, what do I do ?? im completly lost and i dont have any money to pay this and i don't even know if i owe it
any help would be gratefully received.
pammie07

You may want to look at this thread: http://www.legalbeagles.info/forums/...ands-READ-HERE
...in particular, the quote below:

So if you've received a statutory demand, you believe the debt is disputed or just need some basic advice, feel free to PM me or email me at katebriscoe@howlettclarke.co.uk

:beagle::beagle::beagle::beagle::beagle::beagle::b eagle:

This should lift your spirits: http://www.legalbeagles.info/forums/...uccesses-forum :grin: :grin: :grin:

[pammie07]

Re: New Here and worried about 1st Credt/Connaught collections !

Hi there and thanks for replying had a read though and sounds promising so shall I contact her through the email address supplied in your post ? It seems like she is the girl I need to speak to and knows what's she is doing :lalala::lalala::lalala: Fed up of listening to all these people talking and making no sense
thanks again
Pammie07



QUOTE=FlamingParrot;411110]Hi and welcome to LB!

A very good recommendation indeed, :clap2: :clap2: as Cel, one of the site owners, has an outstanding record when it comes to setting aside statutory demands! :yo: :yo: :yo:

At the last count, she had set aside over 65! :grin:

Pre-dating SDs seems to be a trick intended to make people think they've missed their chance to apply for set aside, :mad2: :mad2: :mad2: a trick very often used by Lowell, its use seems to be spreading.

However, what counts is the DATE OF SERVICE, not the date on the SD. :thumb:

If you defaulted over 6 years ago, the default would have dropped off, however this is no guarantee of SB status, not if payments were made after defaulting.

You may want to look at this thread: http://www.legalbeagles.info/forums/...ands-READ-HERE
...in particular, the quote below:


This should lift your spirits: http://www.legalbeagles.info/forums/...uccesses-forum :grin: :grin: :grin:[/QUOTE]

[CleverClogs]

Re: New Here and worried about 1st Credt/Connaught collections !

Pre-dating SDs seems to be a trick intended to make people think they've missed their chance to apply for set aside, :mad2: :mad2: :mad2: a trick very often used by Lowell, its use seems to be spreading.

Should the old Office of Faffing and Twaddling, or the new Fundamentally Clueless Authority deal with such cases of apparent deception?

[FlamingParrot]

Re: New Here and worried about 1st Credt/Connaught collections !

Should the old Office of Faffing and Twaddling, or the new Fundamentally Clueless Authority deal with such cases of apparent deception?

Of course they SHOULD! But, so far the OFT has been as much use as a chocolate fireguard. Maybe the FCA will be different... :flypig::flypig::flypig::flypig::flypig::flypig::f lypig::flypig::flypig:

[pammie07]

Re: New Here and worried about 1st Credt/Connaught collections !

Any ideas how to proceed next i have sent an email to Kate have't heard yet ???

pammie 07

Hi and welcome to LB!

A very good recommendation indeed, :clap2: :clap2: as Cel, one of the site owners, has an outstanding record when it comes to setting aside statutory demands! :yo: :yo: :yo:

At the last count, she had set aside over 65! :grin:

Pre-dating SDs seems to be a trick intended to make people think they've missed their chance to apply for set aside, :mad2: :mad2: :mad2: a trick very often used by Lowell, its use seems to be spreading.

However, what counts is the DATE OF SERVICE, not the date on the SD. :thumb:

If you defaulted over 6 years ago, the default would have dropped off, however this is no guarantee of SB status, not if payments were made after defaulting.

You may want to look at this thread: http://www.legalbeagles.info/forums/...ands-READ-HERE
...in particular, the quote below:


This should lift your spirits: http://www.legalbeagles.info/forums/...uccesses-forum :grin: :grin: :grin:

[Amethyst]

Re: New Here and worried about 1st Credt/Connaught collections !

If you emailed her your contact details she will give you a call.

In the meantime, this list of payments they sent you to show the debt wasn't statute barred, was it one odd payment or a number of payments ? And do you recognise them?

Was stat barred your only reason for set aside on your 6.4 ?

Is the debt a overdraft or credit card/loan?

[pammie07]

Re: New Here and worried about 1st Credt/Connaught collections !

thanks for replying
I did email her but did not put a phone number will email again
its an list of old payment back in 2009 and before i dont recognise them and dont have my old statements to go back to
i only listed statue bared on the form as when i called the ND line the lady was worried i would be out of time and i didnt have any other information at that point as this was out of the blue
it seems like this is a credit card, however i checked experian and its not on there

[pammie07]

Re: New Here and worried about 1st Credt/Connaught collections !

Hi all just to update been in contact with Cel and shes on the case lets see what happens ........
thanks for all replies:tinysmile_twink_t2:

[Celestine]

Re: New Here and worried about 1st Credt/Connaught collections !

Yes, everything is under control :beagle:

[pammie07]

Re: New Here and worried about 1st Credt/Connaught collections !

Hi All
We are still waiting for news !!!!

Hi all just to update been in contact with Cel and shes on the case lets see what happens ........
thanks for all replies:tinysmile_twink_t2:

[Celestine]

Re: New Here and worried about 1st Credt/Connaught collections !

STATUTORY DEMAND WITHDRAWN :beagle:

[Amethyst]

Re: New Here and worried about 1st Credt/Connaught collections WON!!!

Sorted Well done Kate and Congrats Pammie xx

[pammie07]

Re: New Here and worried about 1st Credt/Connaught collections WON!!!

Sorted Well done Kate and Congrats Pammie xx

Wonderful wonderful news from Kate !!! we are so pleased and can sleep better at night, Kate has been an inspiration to me
Thanks again i will be a regular on this site its been a godsend with so much information

Pam:tinysmile_twink_t2::tung: