Registered County Court Judgement

[postggj]

Searching the Registers

hear is the link

ime afraid it will cost £8

try your credit file for the info

[bobneedhelp]

postggj, Do i write to the registry trust ?- what information do i give them and how much do I have to pay?

[bobneedhelp]

ok i found the site on registry trust - will read and learn - thanks.

[bobneedhelp]

it will cost 8 pounds to do search ..

[bobneedhelp]

thanks for the information and help ... I am now afraid to see what has been kept on me ...for all these years ...

[postggj]

just bite the bullet
better out in the open
you can deal with it now and you will feel much better,
that i can assure you

[bobneedhelp]

yea you are right there postggj ... I will bite the bullet ..although even on typing so ...my hands is wet and shaky ....big deep breadth ....thanks for support and confidence given ...on saying this ....I have but read the Registry Trust Site ...I have not pay to get the details ...is it the same for the Registry Trust or the Credit file? either one right?

[bobneedhelp]

Postggj
I received a letter from a DCA content reads:

'We write in respect of the above and your correspondence dated xxxx.

We have noted the contents of your letter and can advise you that we are already in receipt of your request under the Consumer Credit Act received in out offices on the (date). Please find enclosed the £1.00 Postal Order enclosed in your correspondence.

May we take this opportunity to advise you that under the terms set out by the Consumer Credit Act, a creditor has an initial twelve days to provide documentation requested. After this initial period they have a further thirty days to provide this documentation giving a total of forty two days to provide the agreement before the debt becomes unenforceable.

We trust this letter clarifies the current situation and will contact you in due course regarding the request.

Yours sincerely

xxxxxx

This DCA said that they have another 30 days to provide information? Is this correct? and What do I do now with the above letter?

The returned Postal Order I am assuming has been sent back to me BECAUSE I have sent it to the same (In-House Solicitor etc) - What do I do now with this Postal Order? - the names of the DCA has been written on them and it's crossed. Can I get my money back from the post office?

Please advise on this. Thanks.

[bobneedhelp]

postggj
Received yet another letter from another DCA which reads:
Can I put the names of the DCA and their solicitors here?

Ref : xxxxx
dates 27 August

We are writing to inform you that we have forwarded your letter and cheque directly yo our client (xxxxxxx).

Our client should contact you directly with regards to this matter.

Yours sincerely

signed

(solicitors)

[bobneedhelp]

I had a couple of postal orders (2) returned to me - which i assume is that it went to the same dept,i.e. DCA, their solicitors and the previous DCA which sold to this new one ...the postal order has been written with the DCA's name and CROSSED - CAN I go to the post office and get my money back? or I have lost it? Also, how do i check if the other postal orders has been cashed?

[bobneedhelp]

Received another reply from DCA - Lowell Financial, original creditor from barclaycard (not sure when I had this card) says;

We are in receipt of your request for a copy of your credit agreement in accordance with Section 78(1) of the Consumer Credit Act 1974.

While we endeavour to reply to you with the required information within the prescribed 12 day period under the Consumer Credit Act, you will appreciate this is dependant upon receipt of the information from the original creditor.

We will advise you further if this will take longer than the prescribed period.

If you have any queries regarding the above, please contact us on xxxxxx

Yours sincerely

Vague signature signed and title

What do I do now? Can they take longer to give me this information? If it takes longer then what happens? Do I call them?
PLEASE HELP AND ADVISE. THANKS.

[postggj]

hi bob

dont worry about this
like i said, the dca have to go back to the original creditor for the agreements ( thats if they have any)

you can now sit back and relax
the debts are now in dispute and the dca cant do a thing untill you receive any agreements.
some people i have known wait for months
when you have replies come back to your thread for advice, dca are full of tricks and we can put them straight.

with ref the ccj

you can get it from the reg trust for £8
or from your credit file for full details

from now on , no calls to the dca or if they phone, refuse to answer there security questions,
tell them, every thing in writing

[OLIVE.FAMILY]

Hi Bob. I found this thread over in Debt Collection Industry. It may giv eyou a bit of a giggle and show you some of the tricks DCA will use if they call. Enjoy
Cheekiness towards a DCA

olives xx

[bobneedhelp]

postggj thanks for advise and will now wait for their replies ...and will immediately post here as soon as replies comes in ... and we can then decide what and how to respond to these dca's ... btw, i have received the adjournment for the Charging Order from another dca to be held in october -so the set aside hearing first and then the Charging Order.

[bobneedhelp]

thanks Olive ..now into site and reading ..every bits of information's will help

[bobneedhelp]

yes read the thread about calls to dca ...do not think I am ready for this yet but maybe one day thanks

[postggj]

now the account are in dispute the dca cant do anything untill they comply with you cca request, that includes any charging order
as the debts are statute barred, we will concentrate on getting the ccj set asside first
dca do play dirty tricks sometimes, but we are ready for them now

the ccj needs setting asside quickly, the dca has a lot of power having that
but no matter what they try to do, we will object untill they comply that they have the right to collect on these accounts

like i said

its a waiting game now

[bobneedhelp]

postggj
to get the ccj set aside what do i need to do; what letter do i write; and how do i write this letter? I need some help and direction here please.

[bobneedhelp]

Hello postggj
I have checked. There is a County Court Judgement registered against me as of 14 April 2008. Case Number (do I put it here?) or PM you with the case number - please advise! - postggj