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Ah i have just remembered there are 2 types of selling the account. are the new company acting on there behalf or have they brought the debt.

 

What does the letter from new company actually say?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

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yep it does which means that IMO HC are committing fraud.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Clerical error my ****

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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yes but this is a ongoing case so a flag should have been put up or thrown up if summing happened.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 1 month later...

All posts made by sushi-lover and those in response have been moved to the correct thread which can now be found in the following link.

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/266667-company-law-moved-howard.html

 

 

:)

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  • 2 months later...
  • 4 weeks later...

Im also needing some advice and am disugusted with Santander / Lewis Cohen. I made an agreement with Lewis Debt Recovery and the last payment made was 1st Oct - I have since sent them a CCA to which they returned my cheque a week ago stating I need to send it to Santander. I have since done this but today come home now to a letter from Howard Cohen threatening legal action. Its clearly been issued off the back of my CCA and would love some advice from you guys x

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Im also needing some advice and am disugusted with Santander / Lewis Cohen. I made an agreement with Lewis Debt Recovery and the last payment made was 1st Oct - I have since sent them a CCA to which they returned my cheque a week ago stating I need to send it to Santander. I have since done this but today come home now to a letter from Howard Cohen threatening legal action. Its clearly been issued off the back of my CCA and would love some advice from you guys x

 

 

I had the same letter from them when I sent in a CCA request,

search my posts and a thread I started about them (I cant post links here) has some feedback members gave me, including a link for a letter to tell them you are now in dispute.

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  • 4 months later...

So after checking my credit report I am thoroughly confused. I had a credit card with Paypal which I could no longer keep up with payments. They sent Howard Cohen onto me who then APPARENTLY issued me with a CCJ which I filled in and I'm now paying them £5 by standing order every month.

 

However after checking my report it says I only have a Default from them, and not a CCJ. The default is from C L FINANCE LTD which I'm guessing is Howard Cohen? Did they lie and trick me in to thinking it was a CCJ to get me to respond? I'll try and find all my letters from them soon but I thought I'd post here to see if anything similar has happened or what you guys think.

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Hi Aerith

Cohern are the solicitors for CL Finance,

october 2009 I received a county court summons from an alleged debt the CL finance purchased 2 days previous. instead of giving in i dug down and followed all advice I got from all on this site and low and behold I got the claim discontinued and the debt cancel d and my credit file amended. along they way they tried all the tricks in the book, even sent me a consent order saying i had to sign it to proceed, so yes they have a range of dirty tricks to get people to pay.

 

if you can start your own thread on this one, i am sure you will get help,

if you look at my thread

http://www.consumeractiongroup.co.uk/forum/showthread.php?227239-CL-Finance-and-a-CCJ&highlight=

there might be some bits there to help, and i will help as far as i can. if you put a link to your thread in mine then i will follow it

 

cheers

lets

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Cohen have a record of clerical errors, where they've sent out letters saying you have a CCJ and must now pay, when the case has not even been through court. In the past they've even sent out court documents when the case has not been taken to court. Some people have challenged the court proceedings and had them thrown out but still got 'you must pay' letters.

Also part of Lewis Group, aka CL Finance and come under Cattles parentage. Links to Welcome Finance, same parent company.

One of those companies who don't know their elbow from their rear end! That's not to say they don't take some through court, they do.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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So after checking my credit report I am thoroughly confused. I had a credit card with Paypal which I could no longer keep up with payments. They sent Howard Cohen onto me who then APPARENTLY issued me with a CCJ which I filled in and I'm now paying them £5 by standing order every month.

 

However after checking my report it says I only have a Default from them, and not a CCJ. The default is from C L FINANCE LTD which I'm guessing is Howard Cohen? Did they lie and trick me in to thinking it was a CCJ to get me to respond? I'll try and find all my letters from them soon but I thought I'd post here to see if anything similar has happened or what you guys think.

 

Yes, let us have sight of the correspondence from Cohens. Do ensure that you remove any identifying information from them before posting them up.

 

Either turn them into pdfs and use the "manage attachment" link under the "go advanced" reply box or use an image hosting site such as photobucket and pop the links into a post.

 

It would be best if you also started your own thread on this issue.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I've also got HC on my back about a next directory account. Basically, I made a perfectly legitimate cca request, got a response saying 'here is a true copy' yadda yadda yadda and then a mcol form landed in my letterbox!

 

They won't have a signed cca cos I never signed one but there was no lba etc prior to this claim. I cpr'd them for information and got no reply so I have submitted a holding defence for now.

 

*there would be some profanities here but I have moderated myself!! Lol*

"In this situation, you know what you have to do? Just keep swimming, swimming, swimming." Dory - Finding Nemo.:wink:

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