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Neck deep in debts

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  • fatbelly
    fatbelly Posts: 22,954 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    No-one's putting a charge on your house.

    Just defend the claim

    I think I gave you the links about 20 posts ago
  • ManyWays
    ManyWays Posts: 1,325 Forumite
    1,000 Posts Fifth Anniversary Name Dropper
    You cannot rely on a credit record as being at all accurate. 
    It is a good idea to get organised, so you keep all letters and emails about each of your debts.

    How many debts do you have? I think you need to do a Statement of Affairs and post it here. 

    Who is your mortgage lender?
  • tylery
    tylery Posts: 63 Forumite
    Eighth Anniversary 10 Posts Name Dropper Combo Breaker
    fatbelly said:
    No-one's putting a charge on your house.

    Just defend the claim

    I think I gave you the links about 20 posts ago
    Can you please send the link. Thanx
  • tylery
    tylery Posts: 63 Forumite
    Eighth Anniversary 10 Posts Name Dropper Combo Breaker
    ManyWays said:
    You cannot rely on a credit record as being at all accurate. 
    It is a good idea to get organised, so you keep all letters and emails about each of your debts.

    How many debts do you have? I think you need to do a Statement of Affairs and post it here. 

    Who is your mortgage lender?
    I have quite a few debts, i will post Statement of Affairs. Mortgage lender Nationwide
  • RAS
    RAS Posts: 35,560 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    You will be able to select a new fix from Nationwide's portfolio when you need to start looking 6 months before your current one ends.
    If you've have not made a mistake, you've made nothing
  • sourcrates
    sourcrates Posts: 31,527 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    edited 4 September 2024 at 10:52PM
    tylery said:
    fatbelly said:
    No-one's putting a charge on your house.

    Just defend the claim

    I think I gave you the links about 20 posts ago
    Can you please send the link. Thanx
    Its in the posting history for anyone to find quite easily!!!

    "Have you actually received a pre-action letter?

    It comes with Annex 1 information sheet and Reply Form You have 30 days ...

    If so you need to follow

    https://debtcamel.co.uk/letter-before-claim-ccj/

    Tick boxes C and I and ask for everything it suggests"
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • tylery
    tylery Posts: 63 Forumite
    Eighth Anniversary 10 Posts Name Dropper Combo Breaker
    edited 5 September 2024 at 5:46AM
    tylery said:
    fatbelly said:
    No-one's putting a charge on your house.

    Just defend the claim

    I think I gave you the links about 20 posts ago
    Can you please send the link. Thanx
    Its in the posting history for anyone to find quite easily!!!

    "Have you actually received a pre-action letter?

    It comes with Annex 1 information sheet and Reply Form You have 30 days ...

    If so you need to follow

    https://debtcamel.co.uk/letter-before-claim-ccj/

    Tick boxes C and I and ask for everything it suggests"
    I think we are going in circles here:

    Creation sold the debt to Equivo.

    I never received the pre action letter:

    The same debt is still active on credit agency, it shows late payments..so no default registered against this debt.

    But i have received a Claim Form N1 from the County Court Northampton on the same debt.

    My question how do i defend this claim. Any examples or...??
  • tylery
    tylery Posts: 63 Forumite
    Eighth Anniversary 10 Posts Name Dropper Combo Breaker
    Hello tylery said:
    tylery said:
    fatbelly said:
    No-one's putting a charge on your house.

    Just defend the claim

    I think I gave you the links about 20 posts ago
    Can you please send the link. Thanx
    Its in the posting history for anyone to find quite easily!!!

    "Have you actually received a pre-action letter?

    It comes with Annex 1 information sheet and Reply Form You have 30 days ...

    If so you need to follow

    https://debtcamel.co.uk/letter-before-claim-ccj/

    Tick boxes C and I and ask for everything it suggests"
    I think we are going in circles here:

    Creation sold the debt to Equivo.

    I never received the pre action letter:

    The same debt is still active on credit agency, it shows late payments..so no default registered against this debt.

    But i have received a Claim Form N1 from the County Court Northampton on the same debt.

    My question how do i defend this claim. Any examples or...??
    Hello
  • RAS
    RAS Posts: 35,560 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Have you acknowledged the claim, as that gives you longer to respond? So what's the date you need to submit?
    If you've have not made a mistake, you've made nothing
  • tylery
    tylery Posts: 63 Forumite
    Eighth Anniversary 10 Posts Name Dropper Combo Breaker
    RAS said:
    Have you acknowledged the claim, as that gives you longer to respond? So what's the date you need to submit?
    Not yet. Date on the claim form 29th of august
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