Jump to content


  • Tweets

  • Posts

    • Hi.   Have you had a reply from the CEO so far?   I'll post the forum sticky below. Please don't do anything else until the forum regulars can get here to advise you, especially don't appeal to Athena. You've had what we call a speculative invoice, Athena don't have the power to fine you.   The guys should be along later.   HB     PS You need to edit your car reg out of the Athena PCN, to keep this anonymous.  
    • https://www.youtube.com/watch?v=yIafTR3tF9c   Judge ruled that the bailiff had no reasonable belief he was entering a debtor's premises and there was not even evidence of a writ.   Ruled there was no evidence of a NOE sent to the address.   Ruled there was a tort of assualt as the bailiff barged in wearing, in the Judge's words, combat gear.   Ruled there was a tort os 'misuse of private information' by the bailiff by taking photos of the homeowner's documents   More in the link. Case originally discussed here on these boards        
    • I will put some money into the coffers on this site as its well deserved. 
    • Hi all,    I have read all the threads about CLI (Credit limits international) regarding fines from minor traffic offences in Florence Italy but I wonder if anyone actually faced some serious issues by ignoring the letters? Did any bailiffs knocking on the door, any court hearings, credit scores affected etc?   In my case, it is for a traffic offence in Florence and entering a traffic limited zone in 2015. CLI claims that their client is the Firenze Municipale and they are collecting the debt on their behalf. However, I have (as many others) never received the first or any notification from the Italian traffic police itself.  I called them and as stated in many online websites - they confirmed that the final notification is sent by registered post and needs to sent within 360 days of when they received my contact details by the rental company. The most odd thing is that the Firenze Municipale also mentioned that they hold no records of old fines so that makes me really wonder how they can act on behalf of the police when they don't have any records of it? Also worth mentioning is that, there are many errors on the original fine CLI has sent me, there are slightly different amount stated on each page.    If they have bought the debt than it would be fraud by claiming that they act on behalf of a client.   I know many are saying to ignore it and they have no authority to take further legal actions, however they are a member of CSA (note I have spoken to FCA and they confirmed they do not regulate traffic offences so they do not need to be registered there) so I would think they can enforce it.    Does anyone have any experience and how far did CLI take it? I have no problem paying the original fine as I never was notified but they are claiming more than 4 times and I doubt you can negotiate.    Thanks!    
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

northampton county court ccj


Please note that this topic has not had any new posts for the last 3612 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello,

shosmiths solicitors acting for natwest took me to court for a loan and overdraft.I am on a dmp with payplan,they filled in the paperwork and sent it back to the solicitor.I/we recieved a ccj today asking for £287.22 each, the original court form had us both on it,but today we recieved a seperate ccj for £287 each.

That totals £574 per month, the original loan repayment was only for £129 per month.

I have sent the ccj papers to payplan on there advice,what happens now

Link to post
Share on other sites

Thats why we dont advocate PP they dont defend for you but role over.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Retrieve all your paperwork from PP and post up all information (less personal identifiable data) you have from the conception of the loan and O/D.

Give me some history and age and how the default has arisen.

All the paperwork you have received (post up)

Copy of the summons.

Copy of DN letters before action.

 

Then we can advice further.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

We have been with payplan since aug 2008.We have made regular payments since then.The loan is a standard loan for £7000, and the overdraft is £3500. I have checked in the past the paperwork from the loan and all seems ok. The overdraft is full of charges. I have claimed in the past and been fobbed of with the court ruling.I written to them again this week regarding the charges.

 

I just dont understand how northampton can expect us to pay £574 per month when we are on a dmp with payplan and have virtually nothing left when we pay out all our bills/food/ etc.

 

I wa just hoping for a glimmer of hope that someone on her could put our mind at rest and that we can get the ccj reduce to a more mangable amount.

Link to post
Share on other sites

The judgment as been made without your input and therefore not set at your financial means.

You have 2 options set a side the CCJs using a form N244 and re-defend it or apply for a redetermination to set affordable monthly payment again using the N244 but without fee.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Also you need to argue that the CCJ should be joint with one payment.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Thanks Andy, we sent the original forms to Payplan to fill in our income/expendature. I just spent some time on google regarding Northampton bulk centre,and it seems that depending on who has dealt with it at the court,some people get huge repayments without looking at the forms.

I rang payplan today and they said send the ccj forms to them and they will organise re-determination. i have posted them today special delivery.Dont know if I should have written to the court myself . Could I still write to the court even though I have just sent the papers to payplan.Or should I wait to see how payplan get on with it.

Thanks

Link to post
Share on other sites

Hi Andy

 

Ok let PP apply re redetermination but chase them up and request copies of all paperwork.They have messed up once !!!!.

If you know the claim number etc you can enquire direct yourself.

Did you not keep copies of all the paperwork before passing to PP?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Hi Andy,

I have scanned the CCJ's before sending to payplan.They were only copies anyway looking at them. have just spoke to a lovely lady at the court who said just write a letter to the court asking for re determination. She said dont send the forms to payplan ( as you advised) earlier in the post.

 

Even though i have sent the forms to payplan will it do any harm if i write to the court as the lady advised.

Thanks

Link to post
Share on other sites

No Andy you do the same it wont be duplicated

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...