Thread: Dan v C L Finance ?!

right,

this debt is still being paid off via a accepted payment via a CCJ and i have already started a moneyclaim against GE Money

i got a credit report the other day and spotted a company i didnt think i had a debt with

i wasnt very organised when i aquired the ccj for this debt BUT i do still have the forms sent to me from court

i assumed i was paying GE Money the CCJ - im not im paying a company called CL Finance

here is a screenshot of the GE Money (Topman) entry on my credit record



and here is the C L Finance




i recieved a Topman statement on 23rd January 2006

the claim form from the court was issued on 27th February

and i recieved a letter from Howard Cohen & Co on 20th March

my point is, ive never recieved anything saying my debt was sold on, nor have i ever recieved a default from CL Finance, the first contact it appears they made was when i recieved claim forms,

GE Money, C L Finance and Howard Cohen all seem to be linked as stated

http://www.payplan.com/debt-library/miscellaneous.php


now i know this is partly my fault but when your struggling with debt some stuff is hard work

better frame of mind now and a lot more savvy thanks to this site

so should i be asking C L Finance for copies of credit agreements and defaults ?

and i assume i should continue paying my CCJ ?

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Hello Dan,

I would suggest maintaining your CCJ payments and in the meantime, send either the Subject access request or CCA Request. Until such time as they default on providing your agreement, maintain your CCJ payments and only after taking further advice consider disputing it further.

Good luck.