Hi very new to all this but will try and explain
Just over 4 years ago wife had a Credt card debt of over £1000 with capitol One.I payed a payments of £400 then a £ 200 maybe more!!!! then wife went into hospital due to illness debt was forgotten about as low priority at the time I lost my job shortly after so debt was least priority.Until lowell Portfolio got hold of it just under 2 years ago trying to get my wife to pay they claimed we owed £988 we were sure it was lower ignored the letters that followed.Untill The Statutory Demand came hand posted thrugh the door for BANKRUPCY the day or 2 before a card was posted saying please contact as a matter of urgency of course I did(Wish I never lol) Anyway quickly joining this great forum sent a CCA and then went to the courts to set aside got the forms wife filled them in with my help of this forum we had a week left thought we made it only for the courts to return it saying some date off the set aside was missing and something else was'nt right it is now over the 18days and to set aside know would cost £45.
But currently lowell have not got anything on the CCA side as they wrote saying they was still looking into it but still persuing the action of a CCJ which was confusing as I thought it was a bankrupcy its been over 4 weeks since requesting CCA nothing yet do we still try and get it set aside or is it to late also we have no records as with a different bank that have gone under and sent SAR to capitol One nothing yet.
Sorry for long winded as first post and still not sure what I'am doing any help as I feel we are running out of time so have not posted all relevant paper work here yet..........Oh yes we do have a morgage and asets also I work wife doesn't if this helps or maybe not!!!!!
Please any help would be great as both panicing Many thanks for any help in advance
Just over 4 years ago wife had a Credt card debt of over £1000 with capitol One.I payed a payments of £400 then a £ 200 maybe more!!!! then wife went into hospital due to illness debt was forgotten about as low priority at the time I lost my job shortly after so debt was least priority.Until lowell Portfolio got hold of it just under 2 years ago trying to get my wife to pay they claimed we owed £988 we were sure it was lower ignored the letters that followed.Untill The Statutory Demand came hand posted thrugh the door for BANKRUPCY the day or 2 before a card was posted saying please contact as a matter of urgency of course I did(Wish I never lol) Anyway quickly joining this great forum sent a CCA and then went to the courts to set aside got the forms wife filled them in with my help of this forum we had a week left thought we made it only for the courts to return it saying some date off the set aside was missing and something else was'nt right it is now over the 18days and to set aside know would cost £45.
But currently lowell have not got anything on the CCA side as they wrote saying they was still looking into it but still persuing the action of a CCJ which was confusing as I thought it was a bankrupcy its been over 4 weeks since requesting CCA nothing yet do we still try and get it set aside or is it to late also we have no records as with a different bank that have gone under and sent SAR to capitol One nothing yet.
Sorry for long winded as first post and still not sure what I'am doing any help as I feel we are running out of time so have not posted all relevant paper work here yet..........Oh yes we do have a morgage and asets also I work wife doesn't if this helps or maybe not!!!!!
Please any help would be great as both panicing Many thanks for any help in advance
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