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Has anyone had a 'Statement of Account' from CL Finance


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Hi,

 

the other day I received a 'Statement of Account' from CL Finance with lots of charges and court fees added to the balance.

 

I thought this was odd as this case has not come to court yet!

 

I phoned CL and got put through to Howard Cohen, I said I want CL so got put through to Cohen again. This time I was told that HC deal with all CL's queries.

 

I asked about the charges and was told 'that is to do with the CCJ we have served', I said 'that's odd we haven't had the trial yet!'. 'Oh yes, my mistake' he said and went to ask.

 

I was told that they had to inform me of the cost of the legal action under CCA rules. I asked that if costs are not found against me in Court then I don't have to pay these charges, He confirmed this.

 

My gripe is the way this has been presented as there is no explanation of this.

 

It also seems a bit odd with the timing as I soon need to file a defence to HCs re amended, re amended, re amended POCs. I think they are trying to up the pressure!!:lol:

 

Just going to fire up the scanner and I will post the 'Statement'

 

Pookey

I'm in the DCA kicking business ..........and business is good!!!!

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Got it to work at last!!

 

http://i194.photobucket.com/albums/z191/spandexcocoleroy/CLstatement.jpg

 

 

Does anyone agree this looks like the charges have already been added, even though it has yet to go to court?

 

Thanks H&P, I do not phone as a rule but I wanted an immediate answer, I am immune to their threats now and never stray from what I want to say.

 

Pookey

I'm in the DCA kicking business ..........and business is good!!!!

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Yes...Take a copy for the judge :D

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I have a big default marker from CL and they're too lazy to look up my BR details :rolleyes::cool:

 

Idiots! Allegedly :);)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Yes...Take a copy for the judge :D

 

Thanks BabyBear I was going to do that.

 

This 'Statement' couldn't have come at a better time. I am just writing an amended defence to Howard Cohens 4th set of POCs for this case, this time they have the correct bank, date and account number for the alleged original account, all at the same time!!!

 

Unfortunately for them the statement now confirms that they have the wrong balance and they believe they took over the account a few weeks before the date of assignment on the POCs.

 

 

I am glad I have been able to defend on very easy points so far to give me some time, as I had until recently been off work since November 08 with depression, and this was not one of my priorities. I am ready for them now and feel I can address this properly and send them on their way!

 

Pookey

I'm in the DCA kicking business ..........and business is good!!!!

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whats a post judgment fee? and why are there 2 of them totalling £800

PGH7447

 

 

Getting There Slowly

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Advice is given freely but is in no way meant to be taken as Gospel:-)

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I suppose Cohens decided they had won the case at these two dates and awarded their own costs:lol: There's no point worrying about a trial, the law or anything as outdated as that!

 

I was actually told on the phone today by Cohens 'you started this action' I repiled 'no you put in the claim' to which they replied 'but you defended':confused:

 

Anyway I shall be writing to CL asking for a full breakdown, and sending a complaint to the OFT, trading standards and anyone else that people can recommend. I will also be taking the statement to Court to ask the Judge his opinion on Cohens cost they have awarded themselves before he/she has passed judgement.

 

Pookey

I'm in the DCA kicking business ..........and business is good!!!!

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I had one of these sent to me at the weekend!!! The last I heard from Howard Cohen was that they were going to issue court proceedings - this was back at the beginning of June. Egg has still to this date failed to comply with my Subject Access Request I sent to them back in March. All they sent was a huge pile of statements - no default notice, no true notice of assignment etc. Oh and they returned my £10 postal order. My statement had the original balance of the alleged debt and a £5 solicitor letter fee added to it.

 

All seemed very strange. I chose to ignore it - because to be honest i'm waiting for my day in court with these muppets. I've got so much going in my defence.

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II was actually told on the phone today by Cohens 'you started this action' I repiled 'no you put in the claim' to which they replied 'but you defended':confused:

 

 

Pookey

 

You could'nt make it up could you, where do these idots live, never never land:rolleyes:

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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  • 2 weeks later...

Hi Pookey,

 

I too have received statements from CL.

 

One of the statements is for a claim they are pursuing at the moment, for which I've just received a 'Notice of Allocation to the Fast Track'. The other is for a claim which has been struck out by the county court Judge as they failed to comply with his order!

 

I had just been ignoring them and haven't looked at them in detail (although there seemed to be quite a few lines on there!), but I'll now post them up when I get chance - maybe I can use them when I get my day in court!

 

Wakieblue

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