Good afternoon ,

I have a CCJ for a Blackhorse loan that I have,

This was issued in January and I have complied with the CCJ requirements ever since,

all payments have been made , 2 a couple of days late but always in full.

I have never received any comunication from BH about the 2 late payments so assumed everything was Ok.

I received a letter this morning from DLC instructing me to now pay them not Blackhorse with an attached peice of paper from a solicitor who claim to be now overseeing the CCJ.

I am due to make payment today but as I have not heard anything from BH I am inclined to follow the original judgement and pay BH

as I have since the CCJ was given

Another thing I noticed was that the county court was listed as my local one although the judgement was awarded at Northampton ...

. does this mean they are going for enforcement action

if this is the case I would want to defend against charging orders or attachments to earnings etc

as the payment history is good .

.ish Cheers

Continue to pay whoever the court ordered you to pay, if this DLC, outfit thinks you should pay them, then they need to go back to court and get a redetermination of the CCJ.

By DLC do you mean direct legal & collections?

The very same Bazooka BooThat was my thought to keep paying blackhorse until either the court of the persons the court instructed me to pay tell me different

I might also tip off the court and inform them that this DLC are attempting to circumnavigate the legal process....

I might also tip off the court and inform them that this DLC are attempting to circumnavigate the legal process....

I would gladly do that, my thought though is that Black Horse just assigned it to them but forgot to tell me, what could DLC gain from falsley telling me to pay them instead of paying as instructed by the court. Surely this would drop them in it I supose the best plan of action is to send the letter from DLC to the issuing court asking their advice on what to do

IMO I would continue to pay who the court ordered you to.

Give the court a ring and ask them for advice, and state that you fully intend to continue paying who the court ordered you to, and that if BH wanted to offload the CCJ onto this DLC outfit, shouldn't they be going through the correct legal channels??

As long as you adhere to what the court ordered then you can't go far wrong!

Great advice from BB,,,, Yes I would be very very careful of off loading any payments to anyone unless the court as ordered.... ( simples )

Yes it is good advice , I will ring the court that issued the CCJ tomorrow With DLC refering to my local court not Northampton I was a bit concerned that they were trying to sneak a charging order

Easily defended and set aside if they do..

Easily defended and set aside if they do..

Good stuff , thanks for your wise words and advice

Always very welcome..

have you ever SAR'ed BH?

if not do so

they typically inflate all loans with unlawful charges

what about PPI?

time for some reclaiming me thinks?

dx

 

just watch them though closely they did the same to me and did get a charging order (BH) they had to delete it pretty quick as it was discovered that they place the charge on after the property had been sold

Would I be informed if they were going for a charging order or would I only find out afterwards, how could they justify it if I have complied with the judgement and payments are all up to date ?

if you have never defaulted from the time you got your ccj then they cannot get a charge but bh are sneaky with me I din't know jack until I got a letter stating i had an interim called bh and they refused to co-operate and at that time my house had been sold aftern the move they went to court dispite being told severasl times thst the house wasn't mine any longer and got a full charge thank goodness I managed to get it deleted as they were holding the new owners to ransom confirmed in writing . is there anything ppi to be disputed on this ? did you defend the claim when you recieved it and I know its nosy but do you have equity in your house because they might use thast to try and get the chasrge.

I didnt dipute the claim as to be honest I had stopped paying , i admitted and offered a monthly amount with an i and e form, the judgement was granted and the court set an amount roughly in the region of my offer , i have been late 2 times in the period but only by 10 days each time and am currently fully up to date , there is currently no equity in the property and doubt there will be prior to the debt being paid which would be roughly 2 years . I also have no plans on selling or moving so a charge would be a pointless execise on their partTo be honest i thought this one was put to bed , they got the CCJ , i pay for the amount of time stated and then it goes away simples or so i thought

also there wasnt ever any PPI on the loan