ok good

I would suggest that interest stopped 18/9/9

so set the claim to date to that.

next step.

you are entitled to 8% stat int on each CISHEET total till today.

so using 2 copies of the statint spready [one for charges one for PPI

enter the total from the cisheet into the stat int sheet

as a single figure at the date after the last date of their interest

so 19th sept

the sheet does the rest

So just to confirm that i have understood correctly

• fill out one CISHEET for all PPI charges incurred from when i opened the account to when it was assigned to Howard Cohen using 29.9% as the interest rate
  
• fill out one CISHEET for all late payment charges incurred from when i opened the account to when it was assigned to Howard Cohen using 29.9% as the interest rate
  
• fill out one StatIntSheet the 2 lines (total from each of the above) with the date of charge as 19/09/2009 (day after the assignment to Howard Cohen) using 8% as the interest rate.
  
• I can claim back the total of the StatIntSheet?
  

c22

two stat sheets one for each not merged

then yes the individual totals from the stat sheets are your claim totals.

for the PPI you'll need to fill out:

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 the FOS CQ

 dx

Hi

i have completed the form but have a couple of queries.

the company was GE Money then on later statements that changed to Santander Cards, who do i claim from?

What is the process of reclaiming the PPI along with the charges and all the interest. do i luna it all together and write to GE Money or Santander Cards?

Thanks

c22

2 sep claims

GE money often fob off reclaimers

try satans bank first.

so can we see the spreadsheets please?

dx

Here are the Sheets, Thanks for your help

looks ok

you need to do 2 statint sheets

one for each not combined sadly.

dx

Hi dx

Still need to complete this claim and been manic since xmas.

Please can you just confirm,

do i go direct to Santander card services with these (separately)

if so are there a template letters to use,

or should i complete the FOS PPI Claim?

do i include the interest?

Then what do i do with the charges claim and its interest?

again is there a template?

Thanks in advance.

C22

re read the thread first most of the answers are already here.

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

various file attached that will need adapting

dx

Hi and apologies if this has been covered before. I have had a search and found something similar but didn't answer my query.

Many years ago I got into difficulty with a Debenhams store card debt which ended up in a CCJ being received for the debt in 2009. a number of years went by without being contacted about this and out of the blue earlier this year Robinson Way started chasing the debt.

As so much time had passed and the CCJ has dropped off my credit file I sent them a statue barred letter.

They have now replied explaining that due the the CCJ order registered on my account in October 2009 that the account is not statute barred and want me to send them my proposal to clear the debt.

Does anyone know how I stand legally with this and how I should respond?

Many thanks in advance.

C22

A CCJ debt cannot become statute barred...

An action cannot be brought on any judgment after the expiry of 6 years from the date it became enforceable. The term “action” only applies to the commencement of fresh proceedings on a judgment, it does not include enforcement proceedings so, strictly speaking, for enforcement purposes and enforcement proceedings, no limitation period applies. However, any delay in enforcement on the part of the judgment creditor will affect any award of interest as recoverable interest is limited to 6 years on a judgment that is executed after the expiry of the 6 year period.

Court permission is required to enforce a judgment debt that is more than 6 years old. Further, the court is entitled to take account of delay and enforcement when exercising its discretion to grant any Order sought.

DId they also apply for a Charging Order ?

Andy

Hi Andy

Thanks for the quick response. 

There was no charging order applied to the CCJ. The judgement creditor was GE Capital I believe, not Robinson Way who are chasing the debt.

Regards

Dean

Excellent well dont respond....file.

OK.

although their letter states they have put the account on hold for 30 days, at which point I assume the phone calls will start again.

will they eventually give up?

Thanks for the advice.

did you and you wife both have debenhams cards then?

there another thread that says they did get a CO?

On hold from what ?  JUst ignore them file their letters ignore or block their calls.

And come back here when the court wtite to you to advise you that they have made an application to the court re enforcement purposes......until then ignore.

13 minutes ago, dx100uk said:

did you and you wife both have debenhams cards then?

there another thread that says they did get a CO?

 

 

Hi dx 

you got me.. I totally forgot that i have sought advice here before on the same thing. (apologies Andy)

you are correct it was my wife (easier to say I) they did get a CO and i have been through the PPI claim which they threw out and the FCA agreed with them and also threw out.

i have since tried to reclaim on the commission rules but they have come back and offered £47 finial settlement as the amount they overcharged in commission.

I'm not sure why they threw out in the first place as my wife was only working part time and wouldn't have been able to claim on the policy anyway.

ok merged that thread here..

now I will guess that the CO is only in her name on a jointly owned home

if so its a restriction k which is to all intent totally useless to them ever getting any money out of you

so they thought they'll shake the tree and see if she'll bite and start coughing up

as that's the only way they'd ever get any money out of her....

Hi

Robinson Way are still chasing on this saying its not statute barred, but another issue has come to light since submitting a mortgage application.

CL Finance have a second charge on the property for this from ~2012, which the mortgage lender want removed before making an offer. CL Finance Limited (Company no. 01108021) was dissolved in October.

Does anyone have any advice on how i can have the charge removed and how we can stop Robinson Way chasing.

Many thanks

Dean

On the same debt?

yes, this has been going round the group for years.

You cant have 2 judgement s and 2 co's for the same debt.

as said earlier its a restriction k. Joint owned property.. sole debt.

Doesnt need paying in most cases to remortgage?

Hi

I was in same situation - sold on debt Robinson Way chasing.  CCJ and Restriction type K still in original creditors name.

I had to get the restriction removed to remortgage.  There is no getting away from this.  Believe me i tried everything but all mortgage companies will insist on restriction being removed.  I used money from the remortgage to settle the debt - conveyancing solicitor sorted this out.

Remortgaging is really the only time a restriction will cause you an issue.  Its easier to get shot of if your selling and you have a solicitor who understands the process.

But only if you remortgage with a new creditor and not the original mortgagee

Sorry Andy forgot to mention that.

I went with new lender as with Northern Rock