sons RBS card CCJ, now Incasso have a CO..hes stil paying ..can he move..

[CG7]

yes it does but does not show the charge.

[dx100uk]

no the charge will not show.

 

sorry for all the questions

but i'm trying get things in order here.

 

but a few background things will help you here....

the claimant [RBS] should not be selling on debts with CCJ/CO's attached to them.

 

To 'enforce' the CCJ/CO incasso must go back to court and get the CCJ re-assigned i their name.

what is / is not owed is not for incasso to decide

it is dictated by WHAT is in the judgement box of the CCJ.

 

i HOPE that since he has been paying IC that the balance by month

is shown as decreasing on the CRA file entry?

 

when the full amount of the CCJ is paid

the CO should be removed from the land registry file

and the CCJ on the CRA file should show as settled.

but ill remain on his CRA file for 6yrs from the settlement date.

 

did your son know about the CCJ court case?

 

or was the first he knew was the judgement landing on his doortrep?

 

how much of the original judgment has been paid?

 

dx

[havinastella]

I'm with BB and DX here, they have a charging order and you are trying to get £130 discount!

 

Pay the full amount and settle this properly or it may rear up and bite your son.

 

Jogs

[dx100uk]

when all this is done

you need to SAR RBS

and get reclaiming

i bet there are heeps of PENALTY charges & PPI?

 

dx

[CG7]

Hi had another look at his credit file today

and noticed that the last payment to be logged was back in 2010

and yet he has been paying monthly

and also the amounts are different

 

there is over £1000 difference to the settlement figure that is on his credit file and what incasso are offering him to settle

and so he is going to the bank tomorrow to get copies of his payments to incasso.

 

He also telephoned rbos because he wanted to know whether it has been sold to incasso

and they told him that all debts that have judgements are sent to incasso

and they confirmed payments from incasso

he was really worried that the money he has been paying was lost.

 

rbos have said that they were looking into it and would get back to him.

 

Regards

 

cg

[dx100uk]

this is why i suggested the SAR to the bank

 

i bet those payments will magically appear now.

's

sadly see this SO many times with old CCJ's that are passed around, even to 'in-house' DCA's

 

payment sort of vanish into someones profit pocket

 

dx

 

and it would be better that you try and keep these negotiations in writing

or record the calls, as they could well become important evidence later on in court

dx