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    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
    • whats the court claimform for? return of goods order? please complete this:  
    • std DWF letter. typically £157 something. lots of them here already doesn't say WILL anything. read it properly dx  
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subject acsess request - what am i looking for?


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hiya im sorry but i dont understand why this post has being moved to this forum as its a welcome forum i should be in, i am confused now. i have a post going with the debt action group and a post going with the welcome finance group and this all post should be on the welcome forum....???? am i right

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ok dont worry about where this thread is

i'll get it moved back to the welcome forum

 

have you got a digital camera?

 

or a webcam?

 

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thread moved to the Welcome Finance Forum :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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well i would take the picture, save it to your pc

 

then google photobucket and upload

 

you can then cut and paste the picture onto your thread

 

you can email me the picture and ill upload it if you have probs

 

get a clear picture please as ime going to have to go through all the figures

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postggj you are a star, my mother in law has just arrived so i am going to have to sign off for now.

i will do this but it will take me some time as im not clued up (but i will do it)

can you message me with your email address please, is it just the credit agreement you need? do you want the personal loan statment aswell for the whole period?

thanks

Rachel

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1 page per picture and rotate your camera 90% so the page fits the whole screen

if you attach them via go advanced in a pm to post he can edit the personal details out save you doing it.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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if your mum can help do it all the more info for postggj the better.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok

 

Correct Me If Wrong

 

£1184.38 Amount Of Credit

 

I Need To Know What Is

 

(d) Looks Like £2500 Is That The Loan

 

(h) £195 Is That Acceptance Fee

 

(l) £989.38 Is That Ppi Etc

 

If That Is Corect, All I Need You To Tell Me Is

 

what Is The Apr And How Many Months Is The Agreement Over

 

Ill Then Tell You Whats What With And Without The Insurance Crap

 

But Please Confirm Those Figures

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Great

 

Ime On It Now

 

I Need To Work This Out In Two Parts So Stay With Me

 

The Loan Is £2500 Over 36 Months At 58.15%apr

 

For Ease Ive Done The Apr At 58%

 

That Gives

 

Monthly Payment £130.28

Interest £2189.97

Total Payable £4689.97

 

now The Insurance Crap

 

£1184.38 Over 36 Months At 58% Apr

 

Monthly Payment £61.72

Interest £1,037.50

Total Payable £2,221.88

 

So We Add The Interest From The Loan £2189.97 With The Interest From The Insurance £1037.50 To Give A Total £3227.47

 

We Now Add Acceptance Fee To Give A Charge For Credit Of £3302.47

£2500 Loan

£1184.38

 

grand Total Repayable With Insurance Crap £6986.85

 

Devide By 36 Gives A Monthly Repayment Of £194

 

 

--------------------------------------------------------------------

 

without Insurance

 

 

That Gives

 

Monthly Payment £130.28

Interest £2189.97

Total Payable £4689.97

 

to That We Add Acceptance Fee Of £75 Gives A Total Repayable

 

£4764.97 Over 36 Months Gives A Monthly Figure Of £132.36

 

 

so By Not Having The Insurance Crap You Save £2221.88

 

 

 

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