Advice needed on CCJ set aside– CL Finance

[Lite]

I am not that savvy on these things and would like help. I have two existing County Court Judgements (CCJ’s) that were brought to court by Howard Cohen solicitors for CL Finance as a result of GE Capital’s Mothercare and Kwick-fit, which in its self seems odd that I have never as far as I can see had any formal transfer of the account?
I am still up to date with these payments but have been paying for some 3-4 years now without a challenge, however I recently decided that I should make the effort to clear or at least have marked satisfied the CCJ’s (as they are for 6 years). When contacting Howard Cohen’s I was rebuffed for the offers (over 60%), being told they were not enough. Well knowing that I am unlikely to actually be able ever to pay the entire amount I was not happy. I reviewed for the first time all my files on these two cases going back to the time that caused the debt in the first instance my family break up and I noticed that on the old statements for both accounts where a slightly late monthly payment had been made a late payment charge had been put on the account and subsequently a charge for a letter which had both had interests added to them compounding the debt!
Now my thoughts go to even though I am now happy to pay towards the debt did the total debt amount given to the court include what might be considered illegal costs and as such do I even now have a case to ask the court to set aside these CCJ’s, with perhaps an offer to pay the remaining outstanding debt on each account. I would like views and guidance from any members.

[mochamoo]

Hello and welcome,

Have a little nose around here:http://www.consumeractiongroup.co.uk...bt-collection/

You will find you are not alone!

If you repost in that section people will be able to help. I would also suggest not posting the name of the DCA (debt collection agency) as they are known to watch the site. Some people still post and dont really care, I am just a little more cautious!


If you get stuck with anything have a look here:http://www.consumeractiongroup.co.uk...hat-youre.html


Good Luck

[Deller]

Hi and welcome to the site,

You've definately taken the first step into claiming back what's rightfully yours.

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

All the best in your claim!!

DELLER


Useful links to help with your claim

FAQ’s
http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

Letter Templates
http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

Interest Spreadsheet
http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Court N1 form
http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

Mcol Particulars of Claim
http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html