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Universal Credit Loan CCJ - Now Paragon - Paid 19k Still owe 6k


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Hi.

Its a spelling error from them , it should read Not a DN(default notice).

spuddly:)

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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HI

Recieved this today

PARAGONEDITEDFORCONSUMERGROUP.jpg

 

still no mention of satisfying CCJ ?

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Hi , Sent recorded deivery today this to paragon

 

 

ME

MY home

todays date.

 

 

 

Paragon personal finance Ltd

St Catherine court

Herbert road

Solihull

West Midlands

B91 3QE

 

 

Dear Sir/Madam

 

RE: Account no 10101010101

 

My records indicate that I have repaid all money due under the above account, and that I have satisfied the county court judgement (claim number 1235678).

 

I would ask you to confirm this in writing.

 

 

Yours Sincerely,

 

 

 

 

 

 

MR

 

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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I wouldn't be surprised if they did not accept your first letter. I had exactly the same thing with them. Interest charged after judgement which they conspicuously did not inform me of until I asked for a final balance. I settled the judgement balance in full, yet they continued to harrass me for the contractual interest. They are using the OFTvFNB case to say that they can do this but they are not requesting the correct judgement at the outset. I only got them off my back when (with the help of the CAB) I sent a first letter of complaint pointing out their lack of transparancy and a lack of a legal basis to persue the interest. They wrote of a £10K balance as a gesture of goodwill in response!

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Wow thanks for your support:)

This is the sort of outcome we are hoping for,we are prepared for lengthy discussions letter wise.This is the last one to settle on our list and any further suggestions or advice would be appreciated :D

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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I'm happy to PM you a copy of my complaint letter if it will help. I just know what they are like and they don't usually give up too easily. I think they don't want to set a precedent by taling someone back to court for the contractual interest in case they lose.

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hi,

Finally recieved the confirmation from paragon for the CCj but hold on!!

whats all this about speaking to me !!? i havent spoke to anyone for years and neither has my wife regarding any issue of monies i alledgelly owe!!!!

 

TUT TUT TUT...

 

accountfinalbalanceparagon09.jpg

How kind to offer a reduced settlement . Shall we say big fat zero for now eh!???

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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What are they rabbiting on about? For starters there is no longer any contract, that was re-written by the court in the form of a CCJ judgement. There was no provision for post judgement interest to be added, nor have they any right to add any.

 

Personally I would invite them to take you to court again and explain to a judge how they have managed to mis-interpret what a clear concise judgement stipulated and of course inform them that you would be entering a counterclaim with costs. ;)

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Hi

Recieved this today,

 

 

****metherepersistant-1.jpg

Edited by spuddly

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Take them back to court and let them explain how they come to the conclusion that you owe them interest, if the CCJ is satisfied and the court says it is then that should be enough.

 

I can't read the link - you might need to repost it.

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well frustrated cannot post picture from Photobucket

 

AAARRRRRRRRRRRRRRRRRRRRRRR

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Hi

yeh i tend to agree on that point:D

I would be going for the whole lot of cash if i were them:???:

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Share on other sites

Hi

Thanks for your repy this is VERY INTERESTING to us :eek:.

We are going through the SAR again page for page, ill get back as soon as I can.:)

Spuddly

Edited by spuddly
trying to add picture

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Share on other sites

Did the SAR reveal any default notices at all ?

:( Sorry for the delay in replying, been working.

 

in answer to your question is yes,

i do have a letter dated jan 2002 serving Default on this account in the SAR request.

Spuddly

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Share on other sites

Hi,

sending this today

 

 

Paragon personal finance Ltd

St Catherine court

Herbert road

Solihull

West Midlands

B91 3QE

 

 

Dear Paragon,

RE: Account no

Please find enclosed a cheque for £1.64 as final payment on the CCJ.

Would you please send confirmation from yourselves and any relevant court documents relating to this account to outline it has been settled.

 

 

 

Yours Sincerely,

 

Also is county court judgement the same as a judgement order, as in their previous letters they have called it CCj and now they call it Judgment order??

Edited by spuddly
added question.

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Share on other sites

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