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johnnyboy44

was paying old Co-Op CCJ they stopped collecting- now red castle then one scotcall wanting money

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Hi

 

I had a CCJ for debt arrears during a rather nasty divorce and had to pay £40 per month standing order.

 

 

last feb i recieved a letter from my bank stating that the £40 had been returned and that no more funds should be sent.

 

 

in nov of the same year i received a letter from a collection agency stating that should pay them.

i had sent a letter to the original creditor (a Bank) asking why the payment was sent back or had i paid enough (as i had never received any statements). i didn't get a reply,

 

 

in the Jan of this year i received a letter from the original creditor stating they had sold my account to the agency.

 

 

I have since received letters claiming ownership of CCJ by 2 agencies, but only one has sent a letter stating that they have applied to the county court to obtain ownership.

 

 

Advice please?

 

regards

 

Johnnyboy

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As I understand it when an a/c is sold with a CCJ the DCA must apply to the court within six months for permission to enforce it. You could check with the court to see whether it has been done, but I would have thought you would have had some form of notification.


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many thanks i will try that. i am very upset by it as i never missed a payment and know that these firms pay as little as 6p in the pound for the debt. why wasn't that offered to me i wonder. is there any way to find out?

 

regards

j

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Hi

 

I had a CCJ for debt arrears during a rather nasty divorce and had to pay £40 per month standing order. last feb i recieved a letter from my bank stating that the £40 had been returned and that no more funds should be sent. in nov of the same year i recieved a letter from a collection agency stating that should pay them. i had sent a letter to the original creditor (a Bank) asking why the payment was sent back or had i paid enough (as i had never recieved any statements). i didn't get a reply, but, in the Jan of this year i recieved a letter from the original creditor stating they had sold my account to the agency. I have since recieved letters claiming ownership of CCJ by 2 agencies, but only one has sent a letter stating that they have applied to the county court to obtain ownership. Advice please?

 

regards

 

Johnnyboy

who are the 2 agencies?

what do you mean by applied to the court for ownership.? is it outright ownership or assigned ownership.

is the agent who contacted you last november the one making this claim or the one who has contacted after jan this year?

 

how old is the ccj?

 

as cerberus says a dca has 6 calendar months to seek permission from their purchase date if the ccj is over 6 years.

 

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hi

 

orginal CCJ with co-op from 2005 they returned payment in feb 2008 in nov 2008 had a letter from red castle then one from scotcall both cailming ownership. then a month later i had a letter from co-op stating they sol it to red castle. then another from scotcall then redcastle sent a copy of a form sent to court to assign ownership. that was 2 months ago since then i have heard nothing and not once have i had a reply from my letters

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