TBI and Liverpool Victoria

[cups]

Hi

 

 

Got judgement from court, and l lost. What a surprise!

 

Suppose dealing with a DJ who normally deals with Family Law won't help!!!!

 

I am continually surprised that DCA's can make things up,,and l mean make things up and 'promote' them as evidence and get away with it.

 

Oh well,,

 

Cups

[the_shadow]

Sorry to hear that Cups, I hope costs werent prohibitive in this case?

 

S.

[cups]

Hi S

 

Will wait and see what the costs are, the interest at 12% is a couple of grand. Apparently l am lucky becaause they could charge me 16 - 18%, l think l am now meant to thank them?

 

Very sarcastic l know

 

Cups

[cups]

HI

 

Had the costs from them and they now stand at about £11,000!!!!!

 

From £5,000 to £18,000 in one foul swoop.

 

I am unable to make the hearing that is due up and l am still considering an appeal on the basis of something that is written by the DJ in the decision.

 

Does anyone know if arguing that they did not comply with a response to my CCA request and still haven't as l have not got any up to date t and Cs will help with the costs issue?

 

Any help would be appreciated..

 

Cups

[the_shadow]

HI

 

Had the costs from them and they now stand at about £11,000!!!!!

 

From £5,000 to £18,000 in one foul swoop.

 

I am unable to make the hearing that is due up and l am still considering an appeal on the basis of something that is written by the DJ in the decision.

 

Does anyone know if arguing that they did not comply with a response to my CCA request and still haven't as l have not got any up to date t and Cs will help with the costs issue?

 

Any help would be appreciated..

 

Cups

 

cups, I'm writing this in two minds to be honest.....on the one hand I want to see justice but on the other I can only see more costs being added

 

The fact is at the point of judgement if you had told the judge that the s78 request was STILL outstanding then he should not have enforced the agreement but rather made them comply or told them to comply before enforcing... seems tenuous tho relying on up to date t&c...

 

I think it would carry more weight if they hadnt supplied the historic t&c or replied to the s78 request at all.

 

Sorry just my opinion.

 

S.

[cups]

Hi

 

I got notice of a charging order today? Now my husband knows and is very unhappy,,

 

I am going to write to the court and ask for details of the final hearing, which l think that they should give me the opportunity to make payments by installments. Aftre the judgement l heard nothing at all until today.

 

Are the courts against us??

 

Cups

[citizenB]

Was it a "forthwith" judgment, Cups ?

[cups]

Hi

 

I don't know, all l got was the judgement, it said nothing about 'forthwith' and the other side did not contact me at all, which was very strange. Because the court has been so slack l thought there would be another hearing?

 

Cups

[the_shadow]

Unless the judgment stated clearly that installments were to be allowed its automatically a forthwith judgment I believe.

 

Personally I would put in an redetermination application asap (unfortunately the application will cost unless you are on benefits) and back up this application with a comprehensive I&E and list of other creditors to show the judge/court clerk that installments is all that is on offer here.

 

S.

[cups]

Hi

 

Got all the costs etc added against me and also interest can be added. Haven't heard anything from them even though l have been sending payments etc. They state in their latest letter that the new amount of interest month is more than l am paying and that if l cannot pay more then they will take more action against me??

 

I am stunned to be honest, a £5000 debt has home to £18000, l have had to pay all the court costs and now they want to add nearly another grand a year to the bill.

 

I was sure that interest could not be added to the sum of the judgement?? Am l right??

 

It seems like they now want to make me homeless and jobless as well.

 

Lovely people!

[cups]

Hi

 

Further to the above l have looked at what l have from them and cannot see where it says that they can add interest after judgement.

 

My understanding is that a judgement within the CCA cannot have interest added, or have l gone mad. Is the court allowe to do this?

 

Seems they allowed an agreement that l never signed to go through?

 

Any ideas?

 

Cups

[cups]

Does anyone have any ideas??

[citizenB]

Hi

 

Got all the costs etc added against me and also interest can be added. Haven't heard anything from them even though l have been sending payments etc. They state in their latest letter that the new amount of interest month is more than l am paying and that if l cannot pay more then they will take more action against me??

 

I am stunned to be honest, a £5000 debt has home to £18000, l have had to pay all the court costs and now they want to add nearly another grand a year to the bill.

 

I was sure that interest could not be added to the sum of the judgement?? Am l right??

 

It seems like they now want to make me homeless and jobless as well.

 

Lovely people!

 

Is there anything written down that they can charge interest on the judgment debt ?

[cups]

All it says is ' and any interest due'

There is nothing that l can see that shows in the 'agreement' that they can claim post judgement interest.

They also say that they have sent me details for a standing order to be set up, l asked for these details 2 months ago. I think they are trying to stall me and maybe go for a sale order.

 

I do not trust them at all!

[citizenB]

I have flagged your query, as I really dont know the answer to this, cups

[cups]

I have flagged your query, as I really dont know the answer to this, cups

 

Thanks CB

[the_shadow]

cups, take a look at this, it might help

 

http://www.consumeractiongroup.co.uk/forum/entry.php?191-Post-judgment-interest-on-CCA-regulated-debts

[the_shadow]

I still feel you need to seek a redetermination, also apologies I've only just come back from hols today and not looked back through the thread, did the particulars of claim mention interest other than s69 courts interest? Did they mention in court anything about interest?

 

S.

[dx100uk]

surely if it does not specifically mention post judgement interest in the judgement box it cannot be latterly claimed, unless you have failed to keep the CCJ payments up.

 

dx

[ukaviator]

Cups

 

I haveen't gone through all of your posts, this credit card debt, are there charges for late payment and overlimit in the past?

 

Any PPI added to the account?

[dx100uk]

can you can up the judgement box please

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

dx

[cups]

Thanks l will try that tmrw.

 

Sorry l have not replied sooner but could not find my thread.

 

Cups

[cups]

About the PPI, l am going to contact the OC but is there a 6 year limit on claims for this??

 

Also the OC never fully complied with my SAR request and in the weeks prior to trial they supplied TBI with docs l had never seen before.

 

Also when l questioned the OC about the new agreement that was used in the trial, which was a reconstruction and had my name and address crudely written on it by the hand of the solicitor from TBI the OC said they had no knowledge of what they had reconstructed. I bought this up at the trial but it just got ignored!! But l do have some 'interview' experience and l can tell when someone is caught in the headlights!!

 

I am going to ask the OC to provide me with a copy of a blank agreement to see what it looks like!

 

I am also seeing my MP v soon and l am going to. show him what is going on with the CCA.

 

I want to move on but at the same time l can't let the clear injustice of what is happening prevail !