Hi Guys,

Had a credit card from Debenhams back in 2005.

Due to financial problems I defaulted in 2008.

I used the CAB to help me out, and we set up some minimum payment with various creditors.

I was paying GE Capital (on behalf of Debenhams) about £5 per month.

Over the next few years I increased my payments as my financial situation improved

.The debt was then transfered to a company called CL Finance, and payments carried on.

The company collecting payments was now called The Lewis Group.

I assumed that they were the parent company of Debenhams.

As far as I'm aware I never missed any payments, the payments over the last few years have been £15.

A few weeks ago I checked my Credit report with noodle, and saw a CCJ for early 2012.

The D.O.B was wrong, and I didn't recall any CCJ's against me since 2008

I rang the Northampton Bulk Centre, to check it out.

They said it had been instigated by Howard Cohen solicitors, and it hadn't been acknowledged.

I rang the solicitors and they said they had been instructed by CL Finance.

Why would they do this ?,

I hadn't missed any payments.

When I said I had no court papers, obviously he wouldn't comment.

He said that now CL Finance are no more, and the debt,s been sold to Hoist Portfolio.

Never heard of them, shouldn't I be informed if this happens.

my concerns are, are CL Finance allowed to get a CCJ againts me, when I didn't get any court papers?.

Since reading this Forum, and thinking I was being 'Cash Cowed' I stopped paying them in March this year.

Should I start paying them again ?

Any help would be gratefully appreciated...

Regards..Dave

Cash cowed, for certain!

Whoever won the CCJ, did it by default, and therefore you should get it set aside.

Have you been chased for this CCJ at all?

It stinks, and definitely need looking into, I strongly doubt that Debs have the correct enforceable documents from 2005 either,

have you ever demanded the CCA?

urm..

you need to be careful here

the hoist group are Lewis/CL finance

so they are the claimant

and could well enforce non payment of the CCJ.

have you ever sent GE capital now Santander and most probably data now held by newday

to get all the statements to look for PPI?penalties.

dx

Tell you what... I'm going to start paying this again. I've managed to keep the wolves from the door for the last six years. I'm not depressed any more, and I don't worry about my debts. The small monthly payments (cash cowing) are worth it, just for the peace of mind.

Regards...Dave

get that SAR running

dx

one question..have you moved since you took this card out?

dx

Hi DX, No I've lived at the same address for 30+ years.

Regards...Dave

really!!!

its a big hurdle but you 'could' get this seta side

however.

t might be more prudent to get an sar off to the original creditor

you could nave PPI etc to reclaim/offset?

dx