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Ccj With No Credit Agreement

If it refuses, the collection company may leave for a CCJ using its old address so that it cannot defend it. It could be linked later to its current credit balance sheet, and it will then have the much more difficult and costly task of setting the CCJ aside – at that point, the creditor is not obliged to produce the CCA. You should receive the information you requested. Make sure you are aware of the information requested. If you are not aware, the creditor may send you too much information that you will not find useful. If the information is difficult to understand, the creditor should send you a guide to help you understand them. If you have asked for the details of a decision the creditor has made about you, you should be given an explanation as to how they made that decision. I`m in a similar position after reading Sara`s advice. Another piece of advice I have taken up is to advise PayPlan not to make further written notifications to your creditors. As Sara said, write to your creditors themselves, but also add that you are not going to issue another written message. If the creditor does not send you a copy of your contract and a statement of account statement within 12 business days, they are not allowed to take further action against you to enforce the agreement in court until they do so. The debt was a student overdraft.

For some unknown reason, even though I explained several times to Lloyds that I was no longer a student, and that I was trying to have it reduced overdraft, I had a 3k overdraft over 20 years. They even advised me to get a credit card instead to remove it. In these situations, guilt could be “unworkable.” This means that the creditor may not be able to make you pay the debt. If you have signed a credit contract with another person, you are jointly responsible for paying down the debt. If the other person stops paying, the creditor may encourage you to pay the full debt, not just your share. You can ensure that the creditor will not go further with the court decision by asking the court to stop the prosecution.

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