Ccj obtained by Lloyds 7 years ago and has been sold to the above Muppets, with the proper paper work, the assignment and court papers

.it was a credit card from Lloyds taken out in 2003

.Original order was 37.50a month but have only been paying 17.50 for the last 2 years

.Lloyds never seemed to mind.

There now demanding 3 x 37.50.

Help ,should I send them a cca request?

I believe it is unenforceable anyway with it being over 6 years?

Easy to answer.

What rate did the court set?

Thats what you pay no matter what link try and say

. Theyd have to have their name substituted on the CCJ,

then go to court for a redetermination of the amount,

youd be asked to attend and supply your I&E.

theyre chancing their luck.

Theres nothing they can do, so just continue to pay what the court told you to pay.

The court set it at £37.50 a month, and I have been paying 17.50 for the last 2 years with no letters from Lloyds

.Since they have owned the debt since June they want the full amount the court ordered.

Annoys me they can just sell it on and I honestly feel I wont pay them anything now and take my chances.

I have also moved address and know then can only act upon the ccj on my previous address

.I believe they cannot enforce the ccj as 6 years have elapsed.

Of course they can enforce it

You've been paying it

Sar time to Lloyd's

Look at penalties and PPI

CCJ trumps the CCA requirement

OK they'd have to get a change of claimant

Might not happen

But I bet it will

Dx

Took your advice.

Surprisingly they were nice and have set up an affordable repayment plan with them.

They also advised they had no intentions of enforcement if I at least paid something each month.

didn't say to do that!

ofcourse they'll be nice to you

they want money out of you to fund their fleecing of 1000's of others.

it was a more wait and see post.

urm..

I take it you phoned them up...

dx

" and have set up an affordable repayment plan with them."

How?...hope you have not given them your bank details ?

Andy

Took your advice.

 

Surprisingly they were nice and have set up an affordable repayment plan with them.

 

They also advised they had no intentions of enforcement if I at least paid something each month.

That's because you're being cash cowed and they're laughing hard in your face because you're willingly giving them.money they could never touch otherwise.

That could be a bit harsh as we dont know what sum was agreed.

If it is less then £37.50 then I would go along with it as long as the debt has been properly and legally assigned.

As the OP is currently silent on this matter we may think that this may not be the case but that is conjecture.

Cash cowed?

Everyone said it could be enforced.

Set up at £5 per month.

what was I suppose to do

important word here 'could' not would or will.

no-one said blindly set up a repayment plan.

how have you done this?

not by phone I hope

and not by giving any card etails

nor by direct debit?

you need at worst to only ever use a standing order with a fleecing DCA

they ARE NOT BAILIFFS AND HAVE NOT MORE LEGAL POWRS THAN YOU OR I.

dx

Must be Standing Order NEVER a Direct Debit, SO is fixed and cannot be unilaterally varied by the payee, whereas a DD can be unilaterally varied by the DCA, who can then syphon a bank account at will like the energy companies who hike the payments at will.

Cash cowed?

Everyone said it could be enforced.

Set up at £5 per month.

what was I suppose to do

You do as you feel fit and comfortable with vetse...no one is being judged here.

Andy

So if I stop paying...

What happens?

Enforcement...

A ccj doesn't expires

I own my own home

?

very confused or am I just being thick

answer post 11 questions please

dx

Hi Dx

Thanks

Yes by phone

DD set up from an account where I only put specific amounts in.

No card details

Pers I'd cancel that dd

Have link ever written to you

And did they refer to the judgement

It worries me that they blindly accepted £5

As they'd go for the full judgement if they could

Something smells

Can we see the letters please?

Upload to pdf

Been a while I know and did listen to your advice, but for the sake of a fiver thought why rustle feathers.

They have contacted me for an update and review.

I,m worried this may escalate.

I hung up on them.

Thankyou everyone

correct you never talk about debts over the phone

writing only.

can we see these letters please

Letters just stated it had been legally assigned.

One from the court I believe nearly 15 months ago.

No letters available sorry

Ok dug paperwork out,no letter from the court.

Purchasing letter of debt from Lloyds.

Ccj issued 2008 from Credit card from 2001.

the CCJ is not in their name

so i'd just keep paying what you have been.

did you get that SAR off to Lloyds to see if theres stuff to reclaim like PPI etc

Will a SAR not stir a wasps nest as such.

Will do it tomorrow as they nicely provided me with the card number.

What would my future options be with this.

Debt still stands at 19k.

Thanks

nothing to do with Lloyds they sold it get that SAR to Lloyds running

19K, blimey

have you still got all the court paperwork ?

somethings not sitting right with me here on this

no mainstream lender would allow a £19k card debt to evolve

well they may do knowing that it is only worth £37.50 a month to them at most.

I would estimate the value of this debt to be

£2700 tops.

dont know why my post just posted itself when using calculator.