Help with 12 year old debts?

[wishes]

if you can get the info for postgg (he loves welcome and knows what game they have been playing)

 

re the 12 years: it only becomes statuts barred after 6 years if youhave not paid then anything but you say you have paid it all that time so the SB won't come into play.

 

ida x

 

Is statute barred different from asking them for credit agreement papers (template letter N)?

 

And does that mean that if the debts are not statute barred, even if the creditors cant provide me with credit agreement papers theyre all still enforceable debts?

(I think i've got that right way round)

[wishes]

do you not still have the court papers?

 

 

it should say on them who they are acting for

 

ida x

 

Court papers say CL Finance

[postggj]

If The Creditor Cant Produce An Agreement With In 14 Days Of The Cca Request

Letter N

 

The Creditor Can Not Do Any Enforcement Action While The Default Continues

 

Sar Is Different

 

They Have 40 Days To Release All Info They Have On You

 

Concentrate On The Cca Requests For The Moment And Send By Recorded

 

On The Court Papers As Ida Has Stated There Will Be A Section On Who The Claiment Is

 

What Does It Say

[IdaInFife]

on the court papers it has a bit that says particulars of ciam.

 

can you scan these or re type it word for word

 

ida x

[postggj]

Wishes

I Know You Are Getting Confused, Ill Try And Explain

 

There Are Three Companies Involved

 

Welcome Finance

Cl Finance

Lewis Debt Recovery

 

They Are All Part Of The Same Company Called Cattles

The Solicitor In All This Is H Cohen

Another Part Of The Cattles Empire

 

 

What Does The Perticulars Of Claim Say

[wishes]

on the court papers it has a bit that says particulars of ciam.

 

can you scan these or re type it word for word

 

ida x

 

 

"Claimant - CL Finance Limited R.O. Kingston House

Centre 27 Business Park

Woodhead Road

Birstall

Batley

WF17 9TD"

 

Thats word for word.

 

Name and address of payment is Howard Cohen & Co. Solicitors

[postggj]

Yes But What About Some Thing Like This

 

The Claiment Claims Money Owed Under A Regulated Agreement Etc Etc

 

It Must Have That

[postggj]

Ida

 

Cl Finance Address Is The Same As Cattles On This

 

The Plot Thickens

[wishes]

Wishes

I Know You Are Getting Confused, Ill Try And Explain

 

There Are Three Companies Involved

 

Welcome Finance

Cl Finance

Lewis Debt Recovery

 

They Are All Part Of The Same Company Called Cattles

The Solicitor In All This Is H Cohen

Another Part Of The Cattles Empire

 

 

What Does The Perticulars Of Claim Say

 

Sorry, not one of my better days today.

 

I didnt know that Welcome was part of CL Finance or Lewis Debt Recovery (I'm sure Lewis have another one of the debts).

 

Particulars of claim says its 'under a regulated credit agreement between the Defendant and Bank of Scotland assigned to the claimant in November 2008'.

 

I cant remember having any debt with Bank of Scotland, in fact I remember being turned down for (I think) bank account by either them or Royal Bank of Scotland.

[postggj]

Alarm Bells Again

 

Who Is The Main Share Holder In Cattles

 

Royal Bank Of Scotland

 

Ida

 

This Is Starting To Smell Rather Bad

[wishes]

so my next step is send template letter N to CL Finance (not H Cohen) is that right?

[postggj]

As Stated

 

Sending A Cca Request Is No Good As A Ccj Has Allready Been Granted

 

Whats Needed Is A Sar Request But We Dont Know Who To Send It To

 

 

Is This Halifax Bank Of Scotland

Royal Bank Of Scotland

 

Please Phone Cl Finance

No Debate

Just Ask Who This Debt Is With Before It Was Assigned

What Was It , Bank Account, Loan, Credit Card

 

Have A Pen And Paper Ready And Get As Much Info As You Can

[wishes]

As Stated

 

Sending A Cca Request Is No Good As A Ccj Has Allready Been Granted

 

Whats Needed Is A Sar Request But We Dont Know Who To Send It To

 

 

Is This Halifax Bank Of Scotland

Royal Bank Of Scotland

 

Please Phone Cl Finance

No Debate

Just Ask Who This Debt Is With Before It Was Assigned

What Was It , Bank Account, Loan, Credit Card

 

Have A Pen And Paper Ready And Get As Much Info As You Can

 

Ah i'd got that the wrong way round. I'll ring tomorrow and do my best with them though they tend to make mincemeat out of me, i am intimidated by them.

 

I'll post as soon as I find out.

 

 

 

Thanks muchly to everyone for all the help.

[postggj]

Dont Get Into Any Payment Conversation

 

You Just Want To Know Who The Creditor Was Before It Was Assigned To Cl Finance

 

Was It A Personel Loan

Bank Account

Credit Card

[batman1956]

Subbing

[wishes]

Subbing

 

What does subbing mean?

[batman1956]

It means subscribing to your thread (watching with interest)

[wishes]

Dont Get Into Any Payment Conversation

 

You Just Want To Know Who The Creditor Was Before It Was Assigned To Cl Finance

 

Was It A Personel Loan

Bank Account

Credit Card

 

Rang, said the creditor was Bank of Scotland or Halifax Bank of Scotland (I think they're the same thing -?) and that it was for a loan-???

 

 

Obviously tried to 'discuss' payment-said they had 1 payment in June but before that the last one was in Jan this year. Told them i've paid every month without fail and when they took over the debt i'd written to them to ask for their bank details-he said they never received the letter as it was not on the system. I still continued paying and it looks like the previous owner of the debt has passed on some payments, if I dont get a reply from them I can't just stop paying them.

I even went to my bank with the giro credit slip to try and set up a standing order but the bank said they needed more info to do this and a giro slip wouldn't be sufficient. I said (before he did) giro slips are no good to me as i'm housebound part of the time.

 

 

He said they had an outstanding agent visit due to come to my house, I replied i'd sent off court papers for a set aside (I think), he said they cant do anything until they hear from the courts so the agent would still visit. I'm not strong at them moment and told him I wouldn't be opening the door to anyone I didn't know (and the fact that In live alone means I find their visits really intimidating).

 

I've sat with the curtains shut all day in case I get this visit today. I'm listening for any sounds outside-it's turning me into a bag of nerves-not good.

[wishes]

It means subscribing to your thread (watching with interest)

 

 

Oh I see, I thought it was a monetary term.

[postggj]

bank of scotland became halifax bank of scotland

there is also the royal bank of scotland

 

two different banks

 

right

 

did you ever take out a loan with these banks

[wishes]

bank of scotland became halifax bank of scotland

there is also the royal bank of scotland

 

two different banks

 

right

 

did you ever take out a loan with these banks

 

I cant ever remember taking out a loan with Bank of Scotland, I know we were even turned down by them for a bank account so it doesn't make sense that they would give us a loan. I will check through what papers I can find in the next day or so - being 12 years old they're a bit scattered - and can tell you for definite then. I'm 99.9% certain thee was no loan but being such a long time ago i'd pefer to double check.

 

(CL Finance wouldnt speak to me, they transferred the call directly to H Cohen)

[batman1956]

You must tell them that they are only allowed to call at your house if they make an appointment and you have no wish to make any such appointment. I am sure that someone will come along soon to quote the relevant law regarding this. If they do turn up you should inform them that you are calling the police and take no s**t from them, they are threat monkeys.

[postggj]

Need To Think On The Best Approach To Get This Info Quickly

 

Cohen Will Just Ignore You

 

Sar Will Take To Long

 

Want To Get This Set Asside

 

Any Ideas People

[wishes]

The court sent all my paperwork back. I'd copied all the papers before sending and sent a copy by mistake of one piece of evidence instead of the original. The time it's taken to process and get back to me it means that the evidence they need is now out of date and i've had to ask for fresh evidence to send back with the papers - hasn't come yet

 

Not had a visit from the bailiff/pre-bailiff and I thought it was due to court papers being lodged so now i'm not sure at all of where I stand. Nightmare.

 

Should I phone the courts and advise i'm waiting for fresh evidence to meet their 1 month time-scale so they know what's happening? - i.e. I intend to return the papers to them asap.

Cost £5 to send them - significant amount to me atm - and they now need to be sent off again:-(

 

Do I need to send this company any further letters or do I go through the courts?

 

 

 

oh and PS, one of the creditors wrote to me (I havent written to them yet) offering me a unique solution - bid for my account and if my bid reaches their reserve price then the account is mine. That's first time i've ever heard of this.

Edited August 24, 2009 by wishes

[batman1956]

Have a look at this http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/210451-lowell-go-all-ebay.html