CCJ OBTAINED, IS IT WORTH CCA ing CO-OP

[dellboy007]

I Had A Credit Card From Northernrock And One From Co-op Bank. Both Before April 2007. They Got A Ccj On Them Now. Both Boundled Into One, As Both Owned By Co-op Bank. A Month Ago I Asked Them To Produce A Valid Signed Consumer Credit Agreement For Both. They Replied To My Request With About 20 Pages Of Computer Print Outs, Showing Balances And Interest Charges. But No Copy Of Signed Agreement. What Is My Next Step?

 

THE FACT THAT I DID NOT OBJECT AT THE TIME OF CCJ, DOES IT MAKE ANY DIFFERENCE OVER THE UNENFORCEABLE OF THE AGREEMENT BIT. IF THEY HAVE AN AGREEMENT THAT IS?

 

Any Advice Would Be Grately Appreciated.

 

Thanks////

[IdaInFife]

can you scan the 'agreement' and delete personl ingo and post up here using photobucket?

 

Ida x

[dellboy007]

i need to go to the library, as i have no scanner. i will scan it and post it ASAP.

[IdaInFife]

did you reply at all to the court claim?

 

ida x

[dellboy007]

thanks a lot for replying IdaInFife. yes, i replied to the court claims on time. i asked the court if i could pay in installments, and filled in an income and expenditure form. the court ordered me to pay 135.00 p/month on a balance of 17,600.00. i have been paying this since july 2008. but since feb this year i have been unemployed and struggling to keep up all payments.

[IdaInFife]

ok then you can apply to reduce the amount you are paying

 

National Debtline England & Wales | Debt Advice | Factsheet 08 Reducing Payments Or Suspending A Bailiffs Warrant On A County Court Judgment

 

ida x

[dellboy007]

can some one tell me how to scan documents so that it can be posted here? plzzzzzzzzzzzzzzzzzz

[dellboy007]

nbbnbn

Edited October 22, 2009 by dellboy007

[dellboy007]

hold on

Edited October 22, 2009 by dellboy007

[IdaInFife]

scan it and then go to photobucket and upload on there

 

then on there right click and copy and then come here right click and paste or

 

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html about post 15

[dellboy007]

i am trying first insert image, then the link on my c-drive. but, nothing happens///////// Edited October 22, 2009 by dellboy007

[dellboy007]

[dellboy007]

is this an enforceable agreement?

Edited October 22, 2009 by dellboy007
note

[dellboy007]

nmnmn

Edited October 22, 2009 by dellboy007

[dellboy007]

now they haven't send me a copy of the agreemnt yet. so what can i do now?

[IdaInFife]

ok they have sent screen shots.

 

what date is the start of this account?

 

ida x

[dellboy007]

sometime in 2005. definately before april 2007.

[IdaInFife]

dellboy, i have unapproved the posts with the images in it as it still shows your account number but these are no use anyway as there are just screendumps that bear no relation to any cca.

 

 

i am unsure on what to do is up here things are different but i think that ccj's can be set aside on no cca basis so gonna ask for some help

 

ida x

[supasnooper]

To get a copy of the agreement you will need to send a Subject Access Request to the Co-op.

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data-protection-act-1998-subject-access-request

 

This will cost you £10.00 and it would be wise to pay for this by postal order, do Not sign the SAR and send by at least Royal Mail Recorded Signed For delivery service the Co-op's Registered Head Office.

 

Once you have the agreement,you will then be in a position to look at getting the CCJ set aside.

 

Have a look at the link below -

 

CCJ removal inc. step by step guide

[dellboy007]

hi,

i am sorry to be a pain, but i could do with some more support here, please...

[IdaInFife]

follow snoops advice

[supasnooper]

You may wish to read this link as well -

 

Applying for a Set-aside