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Neck deep in debts

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  • sourcrates
    sourcrates Posts: 31,516 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    fatbelly said:
    It will be interesting to see how the court views its own protocol being breached
    Yes, it would be nice to see how they deal with this.

    OP, would you please keep us updated as to how this progresses?

    Not every poster returns with an update on these things.
    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
    sourcrates said:
    fatbelly said:
    It will be interesting to see how the court views its own protocol being breached
    Yes, it would be nice to see how they deal with this.

    OP, would you please keep us updated as to how this progresses?

    Not every poster returns with an update on these things.
    I will i promise
  • tylery
    tylery Posts: 63 Forumite
    Eighth Anniversary 10 Posts Name Dropper Combo Breaker
    edited 3 September 2024 at 2:51PM
    fatbelly said:
    It will be interesting to see how the court views its own protocol being breached

    UPDATE : its a different account, i honestly never received the letter and also it is not registered as a default on my experian report. I dont think the letter was ever sent. 
  • tylery
    tylery Posts: 63 Forumite
    Eighth Anniversary 10 Posts Name Dropper Combo Breaker
    tylery said:
    fatbelly said:
    It will be interesting to see how the court views its own protocol being breached

    UPDATE : its a different account, i honestly never received the letter and also it is not registered as a default on my experian report. I dont think the letter was ever sent. 
    Hello help
  • RAS
    RAS Posts: 35,549 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Have you checked the other credit record agencies, Equifax and Transunion?
    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 checked the other credit record agencies, Equifax and Transunion?
    Just checked not defaulted
  • tylery
    tylery Posts: 63 Forumite
    Eighth Anniversary 10 Posts Name Dropper Combo Breaker
    sourcrates said:
    fatbelly said:
    It will be interesting to see how the court views its own protocol being breached
    Yes, it would be nice to see how they deal with this.

    OP, would you please keep us updated as to how this progresses?

    Not every poster returns with an update on these things.
    Spoke to the creditor and they said they will file for a charging order on our house, or if i agree to pay the debt in 36 months they will not go ahead with the ccj.
  • RAS
    RAS Posts: 35,549 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Stop speaking to them.

    Who is the original creditor? Because we need to check which Acts cover that type of debt,
    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
    edited 3 September 2024 at 6:59PM
    RAS said:
    Stop speaking to them.

    Who is the original creditor? Because we need to check which Acts cover that type of debt,
    Creation Financial Services. Loan 
  • RAS
    RAS Posts: 35,549 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    So to whom are they reporting and what does it say? Arrangement to pay, delinquent?
    If you've have not made a mistake, you've made nothing
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