my wife had a ccj against her with payment of 100 a month

when she lost her job i wrote to the firm saying that we cannot afford 100

we agreed on 30 a month

now a letter containing a income sheet to filled by my wife has arrived

on the ie shet they ask for my wifes works details as she is now working again

do we have to comply with the work detais as my wife does not want them to be involved????

none of their business

who got the CCJ and when

and what was the debt

did you defend it?

it was my wifes who had the ccj in2013

the debt was a barclay loan

when the papers came i didnt know about it till it was too late

she had filled it in herself and sent it

next thing was a court order to pay the amount in full

it was left to me to try and arrange things

ie budget sheet to court

the one that was sent by the court was if anything vauge

it did not list much so stupid me we filled it in as their sheet

if i would have known what i know now

ie how to defend(thanks to the members here) most likely i would have got away with it.

Been looking at budget sheet template nat debt line also nedcab

and the list is huge of what to put down.

Question

is there anyway that you can query a ccj?

yes ofcourse you can.

we have a budget sheet in the mortgage library

thanks dx had a good sing song with the wife and found out the following

2 debts Santander account however only had one account

cca on way to robbinsonway

3 mobile phone account

1 being defended with help from members here(thanks)

1 provident by lowlife - cca on way

and to cap it all parking notice from parking eye

no wonder i only sleep on a saturday night reason theres no post on sunday

regarding ie to solicitors they have asked for employers detail ie pay payroll and so forth put it down or not

full cicle

who [claimant and sols]

got the CCJ and what was the orginal type of credit and with whom.

and what did the judge order in the judgement box of the CCJ?

claimant was cabot financial wifes ccj,

barclays loan was for 9000 however we had been paying for 3 yrs at 200 a month

solicitors was drydensfaifax

judge ordered payment in full

return saying that we could only pay 100 month

agreed

however after 1 year unale to pay the amount

asked sol if they would accept 30 they agreed

done budget sheet for solicitors however their very vauge

been in touch with nat debt line and had guidance with their budget form

their ie form askes for employers detail how much my wife gets all sort in my opinion i reckon this is none of their business

worked ie out and we have more going out than coming in no wonder we never go on holiday or have a good night out

not only me that suffers but our kids as well

thanks for the help any more advice would be welcomed

as I said in post 2

none of their business

could it be worthy to sar Barclays?

was there PPI and or charges on this loan?

dx not been funny but my mind was the same as yours sar barclays see what the moths bring out keep you informed and no employees detail if they persist then i will ask them to obtain court order

well see what they say

don't go demanding them do this or that

play it by ear.

it'll be a generic form

they wont be aware she works I bet.

dx

i will play by ear i was going to fill their online form but really i have been as honest as can and i am suprised that we are struggling

i was thinking of sending national debtline ie instead of their

ours here

thats my point i didnt know you could put birthdays and so forth are these a part of your allowance

Hi Mystirio,

As this is a bank loan, any penalty charges they made for missed or late payments could be reclaimed with interest (compound interest as this is Barclays).

The effect of compound interest for older penalty charges can significantly affect what you owe.

Unless you have a/c statements for any period when penalties were charged, an SAR is the way forward.

thanks for that i am drafting a letter for sar at this moment from the template libary

and when i recieve sar will be looking for assistance how and which way to reclaim these

thanks all for help

easy

dx

question on sar as my wife is away in my daughters and i cannot in hell get her on phone i cannot recall the account number

as I have read that you are requesting as a person so they should be able to process this am i right

dont want to wait till next week to send it

so want it sent tommorow when my irons still hot

thanls

as i understand fro one of the other threads that you acessing as a person and your name and adress plus previous address is enough

am i correct in this

She needs to sign it

Read the sar thread

mmmmmmmmmmm ok thanks

It's not a request for data about a specific account - It's a request for all data that the bank holds about you.

But it does need to be signed by the requesting person.

thanks slick what i have done is typed the date and my wife has overwritten on it so it cant be copied should be allright what any one reckon

its an sar , to a bank

you don't need to munge the sig...

ok ive sorted it now thought so

has she moved or change name since the ac was taken out