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Neck deep in debts
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No-one's putting a charge on your house.
Just defend the claim
I think I gave you the links about 20 posts ago0 -
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?0 -
I have quite a few debts, i will post Statement of Affairs. Mortgage lender NationwideManyWays 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?0 -
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 nothing0
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Its in the posting history for anyone to find quite easily!!!tylery said:
Can you please send the link. Thanxfatbelly 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
"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-letter0 -
I think we are going in circles here:sourcrates said:
Its in the posting history for anyone to find quite easily!!!tylery said:
Can you please send the link. Thanxfatbelly 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
"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"
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...??0 -
Hello tylery said:
Hello
I think we are going in circles here:sourcrates said:
Its in the posting history for anyone to find quite easily!!!tylery said:
Can you please send the link. Thanxfatbelly 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
"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"
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...??0 -
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 nothing1
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