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Dealing with Horwich Farrelly


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Hi everyone.This is my first posting, so please forgive if it is too wordy. Looking for some advice regarding the following. Some years ago I fell way behind with payments and had a plan with CCCS. After finishing with them I discovered that Paragon had not frozen interest and my debt to them was quite huge (my payments not covering interest).Eventually they CCJd me and I have made all payments (interest stopped at this stage.) They offered a settlement figure which I couldnot meet in 2007. Since 2008 the debt has been with Robinson Way/HF. All payments have been made though I have had my difficulties with them (actions well documented by others on this site). I never received a notice of assignment from Paragon which I am about to request. I have already told HF that I believe that a reasonable sttlement figure is nearer to what Paragon offered nearly 2 years ago. I am keen to get the CCJ removed and could possibly make a reasonable settlement offer in the near future. What is the best way forward. I have all correspondance from Paragon,the court and RW/HF. Any advice?

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It is my understanding that unless you settle a CCJ within 28 days of Judgement, even if you settle later, it will be marked Satisfied but will still remain on your CF for 6 years.

 

Someone will be along with the information you require, and to correct the above if it is not so. Good Luck you will get loads of help on here.

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Thanks for that. I am aware that the ccj will still show, though it would be good to have it settled.I am really looking for a way of getting a reasonable (i.e. realistic) offer accepted. Any advice would be appreciated.

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