rkitect
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Posts
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Cheers Brigadier, I'll try it and give you an update in due course!
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Done that already, months ago! Is it time to complain to the OFT?
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DonkeyB, Thanks! So what next in the CCA route? Hahahaha
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dx100uk, But as the original debt is soon to become 'statute barred' if the CCJ's were set-aside, would this mean the DCA's would be in no position to chase here anyways?
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Oh, I checked her credit file by the way, the original default is due to fall of her report this month though obviously the CCJ will stay around! Just wondering whether Zinc are so keen to get something out of her all of a sudden?! On a side note, I checked my file too..........I have two satisfied defaults from years ago sitting there murdering my credit score!! Grrrrrrr!!!
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So what do you think I should do guys?
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No, no letters of assignment for Zinc whatsoever. After sifting back through old paperwork for this debt I found a letter from CL Finance notifying my wife that they had sold the debt to Lowell Portfolio I Ltd. Funnily this was dated 09/10/2011, some 3 years 9 months after the CCJ!
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Zinc Letterhead.pdf Ok, after a little messing, here it is!
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Just out of interest.......how do I post up an image?
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I'll get a letterhead posted up shortly guys!
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Update 2! The CCJ's were applied for by the original DCA, C L Finance. The court gave me their solicitors details and reference numbers and these do appear to coincide with the reference numbers on the Zinc paperwork under 'Client Ref'. However, these are not the CCJ reference numbers and thus could be the original reference numbers belonging to CL Finance. Would a DCA apply for CCJ's then sell off their portfolio inclusive of people they have applied for a CCJ against? I'm going to apply to the court for the full documentation as this may shed a little more light.
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Brigadier, the court details show up as Northampton CCBC so that is probably the case assuming CCBC stands for 'County Court Bulk Clearing'. Is there a letter template you are aware of for getting copies of the paperwork?
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Ok, update. I've searched again and the CCJ's are registered under the old address. The only details on the report are the Court, case number and that they are unsatisfied judgements. There is no mention of who applied for them in the first place. Any ideas what to do next guys?
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Brigadier, the last report she had was from Equifax, should I get a report from Experian too or is there a way of getting all her credit information?
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Cerberusalert, should I try searching under the old address or just apply for a set-aside anyway? If so, how would I do this??
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