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Old 17th June 2007, 15:21   #41 (permalink)
bluetack
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Default Re: Just been to court/CL finance

Help!

Just been looking through my credit report from Experian and the debt that CL Finance bought from RBS isn't there.
What I mean is there is no debt to RBS on my credit file.
There is a default registered to CL Finance on 20/02/04 (this is when the statements stopped from RBS) BUT THEY DIDN'T BUY THE DEBT UNTIL AUG 2006!! What's going on here?
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Old 17th June 2007, 15:32   #42 (permalink)
rory32
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Default Re: Just been to court/CL finance

I can only assume that because CL bought the debt that the default became registered in their name as well as the debt (it would have been previously registered in RBS's name).
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Old 17th June 2007, 15:44   #43 (permalink)
bluetack
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Default Re: Just been to court/CL finance

I see what you're saying Rory, but how could a default be registered to CL on 20/02/04 when they didn't own the debt until 2006?
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Old 17th June 2007, 15:57   #44 (permalink)
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Default Re: Just been to court/CL finance

Because the default would have been originally registered by RBS but when CL bought the debt they would also buy the rights of the creditor. This would mean that the debt (and any defaults) would become registered with CL Finance.

This will be why there is no debt registered to RBS on your credit file - because RBS have sold the rights to the debt.

Is that any clearer or is it still clear as mud?
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Old 17th June 2007, 16:08   #45 (permalink)
bluetack
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Default Re: Just been to court/CL finance

Clearer now thanks. Sorry, I'm trying to put together a letter to the court to get this case struck out before the hearing and I got side tracked by my colourful credit report! This is really messing with my brain cells and I don't want to appear in court again! Can they strike this out before the court date based on my defence?
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Old 17th June 2007, 16:19   #46 (permalink)
rory32
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Default Re: Just been to court/CL finance

Quote:
Can they strike this out before the court date based on my defence?
I believe you would need to apply to the court to strike out the claim under rule 3.4

3.4 (1) In this rule and rule 3.5, reference to a statement of case includes reference to part of a statement of case.
(2) The court may strike out (GL) a statement of case if it appears to the court ---
(a) that the statement of case discloses no reasonable grounds for bringing or defending the claim;
(b) that the statement of case is an abuse of the court's process or is otherwise likely to obstruct the just disposal of the proceedings; or
(c) that there has been a failure to comply with a rule, practice direction or court order.
(3) When the court strikes out a statement of case it may make any consequential order it considers appropriate.
(4) Where ---
(a) the court has struck out a claimant's statement of case;
(b) the claimant has been ordered to pay costs to the defendant; and
(c) before the claimant pays those costs, he starts another claim against the same defendant, arising out of facts which are the same or substantially the same as those relating to the claim in which the statement of case was struck out,

the court may, on the application of the defendant, stay (GL) that other claim until the costs of the first claim have been paid.
(5) Paragraph (2) does not limit any other power of the court to strike out (GL) a statement of case.
(6) If the court strikes out a claimant's statement of case and it considers that the claim is totally without merit ---
(a) the court's order must record that fact; and
(b) the court must at the same time consider whether it is appropriate to make a civil restraint order.
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Old 17th June 2007, 16:25   #47 (permalink)
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Default Re: Just been to court/CL finance

Also for your information:

1.7 A party may believe he can show without a trial that an opponent's case has no real prospect of success on the facts, or that the case is bound to succeed or fail, as the case may be, because of a point of law (including the construction of a document). In such a case the party concerned may make an application under rule 3.4 or Part 24 (or both) as he thinks appropriate.
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Old 17th June 2007, 16:42   #48 (permalink)
bluetack
Basic Account Customer
Default Re: Just been to court/CL finance

Yes, this is exactly what they have done. They have applied for a summary judgement in their favour based on their assumption that ' the Defendant has no real prospect of successfully defending the claim' and 'The Claimant is not aware of any other reason why the disposal of the claim should await trial'.
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Old 17th June 2007, 16:43   #49 (permalink)
rory32
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Default Re: Just been to court/CL finance

Sorry meant to say it is rule 3.4 of The Civil Procedure Rules. You may find this link of use http://www.justice.gov.uk/civil/proc.../pd_part03.pdf

Last edited by rory32; 17th June 2007 at 16:44. Reason: can't spell
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Old 17th June 2007, 22:28   #50 (permalink)
bluetack
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Default Re: Just been to court/CL finance

My husband has just read my thread and thinks that the judge can see I applied for credit with RBS, I used the card and spent the money, CL Finance bought the debt legally, and really I should just make an offer of payment before a judgement is made and another charging order goes on the property. He thinks the CCA argument is futile as its merely a dodge people use to avoid paying their debts and judges will be wising up to this.

Anyone any thoughts on this??
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Old 18th June 2007, 23:25   #51 (permalink)
bluetack
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Default Re: Just been to court/CL finance

Posted my defence to court today. I asked for the case to be struck out on the grounds of non compliance with the judges request for statements and failing to supply CCA. Also quoted and copied some of the rules of CCA and sent copies of the relevant facts of the Wilson case.
I'd like to thank Rory for his help (and patience) and for his guidance!

I will be in court next week so will keep you all posted.
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Old 19th June 2007, 07:16   #52 (permalink)
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Default Re: Just been to court/CL finance

Quote:
Originally Posted by bluetack View Post
Posted my defence to court today. I asked for the case to be struck out on the grounds of non compliance with the judges request for statements and failing to supply CCA. Also quoted and copied some of the rules of CCA and sent copies of the relevant facts of the Wilson case.
I'd like to thank Rory for his help (and patience) and for his guidance!

I will be in court next week so will keep you all posted.
Good luck
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Old 19th June 2007, 13:52   #53 (permalink)
bluetack
Basic Account Customer
Default Re: Just been to court/CL finance

Cheers diskmandave! Think i'm going to need it.
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Old 19th June 2007, 13:58   #54 (permalink)
lemma1968
Classic Account Customer
Default Re: Just been to court/CL finance

Good luck Bluetack. hope all the advice makes you a winner.
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Old 19th June 2007, 14:23   #55 (permalink)
rory32
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Default Re: Just been to court/CL finance

Bluetack,
This link gives the transcript of the Wilson case House of Lords - Wilson and others v. Secretary of State for Trade and Industry (Appellant)
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Old 27th June 2007, 15:30   #56 (permalink)
bluetack
Basic Account Customer
Default Re: Just been to court/CL finance

Well folks, went to court today with CL Finance and I won!
yep I won!!

Judge struck the case out on non compliance of CCA request. A copy of an application for credit is not acceptable.
I quoted the Wilson case as suggested by Rory and also took along copies of the facts stated in 1974 CCA and 2006 CCA, oh and I also took along a copy of my last statement which I had doctored to read that CL Finance's solicitor (two of them turned up to fight the case) actually owned the debt they were chasing me for!!! The judge agreed that this proved statements alone were not proof of debt.
The ten minute hearing turned into 2 1/2 hours, with law books being passed around. The judge pointed out that I actually knew more about points of law than both solicitors put together, red faces or what?

Thank you so much everyone for your help and advice, I'm moving on with confidence to the next one.
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