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Backdoor capquest CCJ/CO - Citi Card Debt


sharpgun
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Hi all,

I am now just getting my credit file straight and decided to subscribe to another one of these credit referance agencies,

 

on doing a search i found that capquest had taken me to court in 1997,

for a credit card dept which they had defaulted me in april 2005.

 

When i rang capquest up and asked why it was still showing on my credit file they said that they had taken a charge on a freehold that me and the mrs own.

 

I said that I was not informed of the court hearing,

they said that i should have told the credit card company that i had moved

and that if i want the charging order to be removed i would have to pay the dept in full.

 

My question is CAN THEY DO THIS???

And can i contest it???

and can they come after my new premises as they keep checking my credit file??

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gone buried dead .......

 

check your land registry file

 

can you get the story right

 

you say the got a ccj/co in 1997?

 

then defaulted in apr 2005

 

i think you mean the otherway around

can you please clarify the history.

 

and NEVER EVER speak to a DCA on the phone

 

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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no they got a charging order in 2007

after the default was sent 2005,

 

i checked with cra,

I was defaulted in april 2005,

thats why i rang the court to find out why it was still showing on the cra sites

and found capquest had given them the wrong dates of the default

they gave a year later in 2006,

when i asked capquest why they gave the wrong information they couldnt answer.

 

another question when does the 6 years run from,the default date or the date the court granted the charging order????

Edited by sharpgun
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no from CO date

 

when was the CCJ taken out?

 

you need to get it set aside

 

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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i dont no, i only found out a couple of weeks ago about it dca told me i couldnt get it set aside. can i challenge a credit card dept because it was taken out pre 2007???

 

dont think i ever had a ccj for the card only a default, not that i new anything about anyway> there are no court ccj registered

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then there is no CO then!!!

 

you cant have one without the other

 

they are spoofing you

 

what DOES you CRA file ACTUALLY say???

 

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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no i have spoken to the court they have definatly had a charging order on the freehold of of some flats

 

right have spoken to court again and they informed me that the court case was a ccj on 3 sept 2007 and the charging order was enforced because i did nothing about it or didnt turn up. I didnt turn up cause i didnt no nothing about it. I had moved in 2005

 

i would have disputed it had i known

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my last payment was 2004, i was served a default notice in 2005, capquest at some time bought the dept,they then to me to court sept 2007 that is all i no. but i have never had any paper work.Now capquest said to me that i wouldnt get it set aside because i hadnt informed the credit card company of my new address.

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I think you can have it set aside if the paperwork didn't go to the correct address. Are there any periods where you have not acknowledged this account either in writing or by paying into it for a minimum of six years? If so it's statute barred however I don't know how the ccj fits into this.

 

As for anything capquest says, ignore.

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the default date is NOT the SB start date

that would be the 'cause of that action' [the default] - which is YOUR last financial transaction.

 

however.

 

as guessed earlier

 

there IS a CCJ

it was prob purposefully sent to an old address to sneak it through

 

so you knew nowt about it.

 

CLASSIC set aside case

 

you need to CONFIRM with the court WHAT address is on the CCJ.

 

the tell them you want to set it aside.

 

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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no SAR the OC.

 

dx

 

can you clarify something.........

 

are you saying that one CRA says its there etc etc

and another has no records?

 

and yes they cold come after the debt

but thats easily dealy with ONCE we know the true history

 

 

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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oc is original creditor

 

i'm REALLY puzzled why one has it and one does not?

 

are your addresses past & present linked on both files?

 

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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Share on other sites

yes my address is linked and has been for years,the website has changed where is the sar templates please i think i will have to get all the information first

 

question I start sniffing, do capquest then come for my property where I live and can I get the debt wiped off??????

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click on the sar handcuff! in my thread [green tab library top left]

have you confirmed the ccj was send to your old ad with the court?

if so, ask them you want to set it and the co aside

 

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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Share on other sites

i would think that you might well have a good chance of a substantial reclaim to counter it if they did?

 

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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Share on other sites

always the oc

 

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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