CL Finance/Lewis/CCJ - I believe back in 2008

[LEEPEARL]

Hi

 

As I mentioned I am new here and really would love some advice regarding an old debt.

 

I have been contacted 3 times

first a letter from Scottish Bureau of investigation (lewis groups FBI branch) they are trying to contact me,

No name or address on envelope so this is a little bit underhand my flat mates could have opened this letter.

 

Second letter from uk default recovery saying they know I am a resident at the address

and have a case number and an amount of debt I owe etc etc

 

Third letter came today saying despite being given numerous opportunities to repay this debt

your balance remains outstanding.

 

to stop further action either pay in full or call us to come to an arrangement

if we receive no response within 72 hours of the date this letter was sent we will instigate further action.

 

Now I have an outstanding CCJ with cl finance but have lost all records of this

and other debts I have had in the past,

I have checked my credit report and the only debt showing up is the ccj.

 

How should i go about finding out if the recent letters are in connection with the ccj?

 

Should I send a CCA letter to lewis group or just call them?

 

With a cca letter should i also ask for a statment of accounts to see when last payment was made etc?

 

I was paying a token payment towards this debt

but ran into more difficulty and stopped paying this for over a year

and now they have decided to chase this up if it is the ccj debt they are chasing.

 

Sorry for the long first post but I really would appreciate some advice on this matter.

 

Thank you

 

L.

[dx100uk]

it wont be the CCJ, and if its the same debt

they wont know about the CCJ either.

 

dont tip them off.

 

pers i'd totally ignore them.

 

ruddy fleecers

 

dx

[dx100uk]

thread tidied

 

ignore then totally

 

dx

[LEEPEARL]

I have called Northampton County Court and the letters are in reference to the CCJ,

I am concerned they will send bailiffs to my address is there anything I can do to about this debt.

 

I am thinking of calling them and offering a token payment again

with a view to make a full and final settlement in the not too distant future?

[dx100uk]

a court willl not know that.

 

what do you actually mean?

 

if lewis knew there was a CCJ and could use bailiffs

there is no way they would send a std phishing trip letter.

see this loads of times before

 

DO NOT CALL THEM

 

NEVER EVER PAY OR TALK TO A SPOOFING DCA ON THE PHONE.

 

 

dx

[LEEPEARL]

Hi

 

The letters the DCA have sent have a credit card ref number on them,

 

I called Northampton court for details about the CCJ

and they gave me the same credit card ref number as is on the letters from DCA.

 

The CCJ was issued by CL Finance who are Lewis Group I believe back in 2008,

I have moved about quite a bit since then but they have obviously found my address now.

[dx100uk]

well that was obvious really

 

they do not know the CCJ exists.

 

pers i'd leave it that way

 

they would seriously have a hard time enforcing it now

the judge would ask why wait 3-4yrs ...

 

just be clear that they wont just turn up with bailiffs

it will have to go back through the court first

plenty of time to counter it.

 

now

 

were you aware that a CCJ had been taken out

did you attend the hearing?

 

you might well be able to get it set aside.

 

dx

[LEEPEARL]

But how can Lewis group/CL Finance not know that they themselves issued the CCJ against me that's crazy are these people complete idiots,

 

This is what I never understood in the first place why they're sending me phishing letters etc.

 

Surely it will get to the point where they realise they have a ccj on this and then enforce it?

 

Or is this what they are already doing as the last letters states I have 72 hours to contact them or they will instigate further action.

 

I was aware the CCJ was taken out at the time

 

I actually admitted to it and paid them a token payment for a year maybe then stopped paying and then until last week I hadnt heard a thing.

 

I am totally sick of these bellends.

[dx100uk]

no if they knew about he ccj, they'd never have sent a phishing trip letter

this often happens

dont forget 99% of these threat-0-grams are just computer generated

no human ever has anything to do with a c until you contact them

 

which, ofcourse. you are NOT going to do

via any method of comms!

 

you might well be able to get it set aside

 

but that will be as hard as them trying to re-enforce it

so its up to you.

 

i know what i'd do !!

 

sit on my hands!

 

dx

[LEEPEARL]

Hi

 

I'm going to ignore it for now and see what they threaten next.

 

I didn't attend a hearing regarding the CCJ

 

I just panicked and held my hands up and filled out the court forms,

I wish I hadn't as I bet they have no CCA.

 

If they do decide they have a CCJ and try to enforce it Would you advise making a full and final,

 

Lets say the amount owed was £2800 what should I offer seeing as they probably only paid 10 pence to the pound.

 

Thanks for your help

[dx100uk]

you cant and they cant.

 

it must be the figure left from the judgement minus any payments made to date since the CCJ.

 

this is why its obv they dont know about it or cant enforce it.

 

its a phishing trip

 

dx

[LEEPEARL]

Ok well Ill keep you updated as to what happens next.

 

Thanks

[LEEPEARL]

Hello again

Just little update on this,

 

Lewis sent a few threatening letters then nothing until

 

yesterday when I received a letter from Mackenzie Hall ltd

 

stating they had been passed on this debt and I have 7 days to pay up or they will take further action.

 

What should I do now,

 

I mean these idiots still dont know this debt already has a CCJ attached to it from themselves...

 

If they were to try and issue a CCJ would they then find out that it already has one

and then try and use that ccj to get me to pay,

 

am I right in saying as there has been no payments made on this old ccj that they would find it hard to enforce it?

 

If anyone can shed little light Id be very grateful.

 

Thanks MrPearl

[dx100uk]

yep correct

 

they cant have two bites of the cherry

 

ignore them.

 

dx

[LEEPEARL]

Hi

Just another update Lewis have been calling me everyday at the same time its getting very annoying now,

 

Other than change my number is there anyway I can block them or stop them from calling?

 

I have answered once and its a recorded message saying we are trying to talk to me etc. a

 

nd then it goes onto hold I guess to put me through to one of their idiot reps...

 

..I haven't stayed on the line long enough to get to this point!

Any advice will be gratefully received

Thanks

Lee

[Bazooka Boo]

You could if you wish, send them this http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

 

Alternatively, send nothing, and use your phone providers 'malicious calls procedure' and make a formal complaint to Ofcom for the misuse of the communications network

http://consumers.ofcom.org.uk/tell-us/telecoms/

 

http://macutmore.posterous.com/report-nuisance-telephone-calls-immediatelyth

 

http://btbusiness.custhelp.com/app/answers/detail/a_id/7692/c/2197,2198,2213

[LEEPEARL]

Thanks I will send them the letter and have registered a complaint with ofcom.

If they call today I am going to answer and give them a good going over...IDIOTS!

[LEEPEARL]

Oh my days here we go again!!!

 

Hoist Portfolio Holding LTD and Robinson way letter landed on doorstep today

 

it relates back to the previous posts here.

 

...Now do I ignore again or send them something in return a cca letter maybe.

 

I'm thinking ignore,

 

the original CCJ will fall off credit file in oct this year,

and as stated previously they would have trouble getting the ccj enforced

(if they actually know about said CCJ).

 

The letters are pretty standard phishing letters etc

[dx100uk]

still ignore them

 

dx

[LEEPEARL]

Thought so

 

Thanks dx

[AndyOrch]

You need to ride it out until October if possible...in the meantime lets hope that they don't discover its a judgment and try to execute it before its 6th anniversary.

 

 

Regards

 

 

Andy

[LEEPEARL]

Ill keep a low profile until then and see what else they try.

I have heard i would be very hard for them to enforce the ccj after such a long time is this right?

 

Thanks

L

[AndyOrch]

Its not impossible...but they would need a valid reason for the delay.

[LEEPEARL]

Hi

 

Just got home to find this letter

 

Your account remains unpaid despite previous letters and calls,

 

your account is due to be transferred to our solicitors drydensfairfax in the next 10 days,

 

who may seek to enforce the judgment that has already been obtained.

 

If you would rather agree an affordable payment plan directly with us

to prevent this account being passed to our solicitors, please contact us without delay.

 

Yours faithfully

collection manager

 

Now is this a computer generated threat letter or should I be prepared to be transferred tr drylordfairfux?

 

Hope someone can spare a thought?

 

Thanks

L

[dx100uk]

obv they know nothing about the debt/CCJ

else why would they be threatening

passing it to the bloke at the next desk in a diff coloured skirt.?

 

if that bloke knew there was a CCJ they'd enforce it.

 

computer generated threat-o-gram

 

dx