Bryan Carter Lowell County Court Form

Vicxie

rizla_king wrote: »

Sorry. There isn't.

Just linking the thread so people could read all the advice and discussion.

Oh, that's good. Thanks for the help

Vicxie

I looked at a different section of my credit report today under "closed account" and i found shop direct in it. The address on the account is where my dad, his girlfriend and step kids used to live, although i'm not sure about the door number but i definitely remember that road name. I can't remember clearly what year they moved out either.

Details on it are a bit sketchy because it says account was up to date as of June 2008 and then there was no account information for almost a year and then in May 2009, it said account up to date again and no payments were supposedly made until August 2011, which then stopped in March 2012. Account status "Settled" on 01.04.2012

I will have to ask my Dad about this but if Lowell was suppose to have bought the account which defaulted in 2010, how can it say last payment to shop direct was March 2012?

This issue popped into my head at 5am and then all sleep was gone.

ValHaller

Vicxie wrote: »

I decided to post on 2 forums for help. Not aware there is anything against that

What is wrong with it is that some perfectly good advice is given on one forum and then some poor soul on the other forum spends 15 minutes providing substantially the same advice, totally unaware that you have already been given that advice.

Have some consideration for those you are seeking help from and don't make them waste their efforts. If you must cross post, at least say that this is what you have done.

Vicxie

ValHaller wrote: »

What is wrong with it is that some perfectly good advice is given on one forum and then some poor soul on the other forum spends 15 minutes providing substantially the same advice, totally unaware that you have already been given that advice.

Have some consideration for those you are seeking help from and don't make them waste their efforts. If you must cross post, at least say that this is what you have done.

I think seeing multiple advice, whether it yields the same result is better than nothing. But thanks for the input

ValHaller

Vicxie wrote: »

I think seeing multiple advice, whether it yields the same result is better than nothing. But thanks for the input

I think your outlook is more than a tad selfish. Yes, multiple advice is better. But essentially, you are getting a free ride on the goodwill of others. So why throw that good will to waste? If someone knows their advice has been given, they may still spend 2 minutes to post to say they agree with the earlier advice and perhaps expand a little. But if they discover that they have just wasted 20 minutes on something which they later find has already been posted elsewhere, they are likely to feel more than a bit peeved off that you have wasted their time.

There are more people than just you who need help

chanz4

are you sure your dad didn't take the account in your name, this can open a range of worms including fraud

Vicxie

ValHaller wrote: »

I think your outlook is more than a tad selfish. Yes, multiple advice is better. But essentially, you are getting a free ride on the goodwill of others. So why throw that good will to waste? If someone knows their advice has been given, they may still spend 2 minutes to post to say they agree with the earlier advice and perhaps expand a little. But if they discover that they have just wasted 20 minutes on something which they later find has already been posted elsewhere, they are likely to feel more than a bit peeved off that you have wasted their time.

There are more people than just you who need help

So, according to you, i should pass up free help and advice when i need it? This is a forum for seeking advice, their terms and condition does not state "Advice should not be sort elsewhere". I am grateful for all the people that have taken their precious time and shared it with me and i am sure no one thinks of their time as being wasted. But again, thanks for the input.

Vicxie

chanz4 wrote: »

are you sure your dad didn't take the account in your name, this can open a range of worms including fraud

I don't want to drag my Dad into this matter as he has been going through a tough time for some years now, still cannot bring myself to ask him.

spacey2012

First Job is to log in to the MCOL website, but only do this via this link to make sure they are not trying it on.
Then enter your pass word and details and select Defend whole claim, this gives you 28 days from service of papers.

You MUST only deal with the court now, the debt collecters will fluster and lie until it runs out of time so they can get a default judgement.
Your dealings with them direct are OVER.
You now deal with the court only, even if they call or write refer them to the county court case and inform them due to confidentiality of defence they will have to await instructions of your intentions via the court.

Please Log in and do that now.

Once you have done that I can start looking at what they claim you owe and advise a way to defend it, but you will have to be very honest with me.

You will have to be prepared to visit the local court in your town, don't worry, they will be made to come to your court and if this debt is not your debt, I will instruct you to issue a counter claim for stress and harassment caused.

If this is not your debt, the counter claim has a very good chance of success and they will be begging on hands and knees for you to drop it, which you do not, they started it !

ValHaller

Vicxie wrote: »

So, according to you, i should pass up free help and advice when i need it? This is a forum for seeking advice, their terms and condition does not state "Advice should not be sort elsewhere". I am grateful for all the people that have taken their precious time and shared it with me and i am sure no one thinks of their time as being wasted. But again, thanks for the input.

Well, people really are wasting their time on giving you advice, because you don't even seem to read what is written - or you twist it.

• No, I am not saying pass up free help and advice
• No, I am not saying 'advice must not be sought' elsewhere

What I am saying is if you post else where, at least have the courtesy to say that you have posted elsewhere. It is a matter of simple respect for those who help you and it is a matter of not running the well dry. Just basic respect for those who assist you.