Jump to content


  • Tweets

  • Posts

    • a CCJ does not 'expire' thus does not need any application to a court to 'extend it'. if a CCJ has not been enforced within 6yrs, then it is very unlikely any court would grant such should the claimant return to court, of which the defendant would be advised -( unless they have moved and not informed the court & the claimant such) .  
    • I contacted them when it happened. The caretaker came over, looked at it, and walked off with the tree chunks of mortar. Next morning, they had a roofer come over and enter our garden to inspect it. Friday they were supposed to speak with a scaffolding company. I had to bring up liability and potentially calling the council to report 'an unsafe structure' before they even got moving. They know all about the wedding, the preparations, our patio contractors etc. but their attitude doesn't instill me with confidence. My fear is it will end up being a legal matter which is why I posted here to hopefully receive some advice. As far as I can see, the roof is in a state of disrepair, even if it's just the mortar breaking lose due to the size and weight of the chunks - and even from ground level it's visibly clear that multiple pieces have fallen over time (though never this size so we haven't been able to identify the issue till now - we thought it was rubble left in the garden by the previous owner). Currently, we can't use 25% of our garden due to the risk of more falling mortar which is more than just an inconvenience, we can't proceed with our contractors, and at worst, it will run up in several thousand of extra expenses for us, if we have to find a wedding venue. Even if they do have it fixed in time, and we have to settle for renting a marquee and floor for the marquee and furniture and whatnot it will be additional costs only due to the neighbour's roof.
    • please create your OWN topic by hitting create or + in the top red banner  
    • It will be years before Banks would sell to a debt buyer.  Sometimes Banks will use external debt collectors to try to collect, but generally Banks don't take Court action.  So you could be looking at 3 to 6 years, before any dca owning debt looks to take any Court action. And it is not definite that this would happen. So no need to feel pressured at this stage. In the event you found yourself unemployed, you have time to engage with Banks to advise of your situation and ask for time to deal with the situation, find new employment. As long as you inform the Banks they will offer assistance they can. E.g offer payment holiday or accept reduced payment for period. What you should not do, is not contact the Banks and simply default on payments. 
    • I'd get back to them tomorrow, and explain the circumstances, that you have a wedding reception, and just appeal to their better nature. Hopefully they will be able to move sooner rather than later, especially if you go in in person and speak to them, and show them the issue.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Zinc chasing old C L Finance CCJ's


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4346 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Ok, update. I've searched again and the CCJ's are registered under the old address. The only details on the report are the Court, case number and that they are unsatisfied judgements. There is no mention of who applied for them in the first place. Any ideas what to do next guys?

Link to post
Share on other sites

  • Replies 75
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I presume that these are judgements by default through

the Northampton Bulk Clearing Centre, you can contact

them and get copies of the paperwork.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Brigadier, the court details show up as Northampton CCBC so that is probably the case assuming CCBC stands for 'County Court Bulk Clearing'. Is there a letter template you are aware of for getting copies of the paperwork?

Link to post
Share on other sites

You dont need a template phone the NCCBC the staff

will tell you exactly what to do etc.

It's quicker as the court is incredibly busy.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Update 2!

The CCJ's were applied for by the original DCA, C L Finance.

 

The court gave me their solicitors details and reference numbers and these do appear to coincide with the reference numbers on the Zinc paperwork under 'Client Ref'.

 

However, these are not the CCJ reference numbers and thus could be the original reference numbers belonging to CL Finance.

 

Would a DCA apply for CCJ's then sell off their portfolio inclusive of people they have applied for a CCJ against?

 

I'm going to apply to the court for the full documentation as this may shed a little more light.

Link to post
Share on other sites

Simple answer is yes if they think there is profit in selling and not

in chasing the debt further.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Who actually owns these accounts now? Have you had any notices of assignment?

 

You need to get the the bottom of this first.

 

Are Zinc acting for Lowell? Have they bought one or both of the accounts?

Link to post
Share on other sites

Looking at the Zinc website there is no mention of debt purchase

portfolio.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Can’t even find their consumer credit licence details. No number on website as required...

 

I can't find it either.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

:madgrin:Serious lack of detail I feel like a stir up, if I can find an e-mail address.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Some Facts:

 

Main company personnel

 

Douglas James McManus

– only registered with Courtlink (UK) Ltd

 

James Aitken

– only registered with Asset Collection & Investments

and Alexander Inglis & Sons

 

Craig Proctor

– no record

 

Susan Bain

– last licence surrendered

 

WTF is going on here? Suggest a call to the OFT might be in order.

Link to post
Share on other sites

I'll do at bit more digging this evening.

I seem to remember that it was mentioned there is a link

with Lowell.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Here’s where they’re hiding. I’m not sure this is allowed, as they are clearly stating they operate as Zinc Group Ltd.

 

Their accounts are five months overdue. Naughty. Wonder if they have problems... worth a word with the OFT, IMO.

 

Application / Licence Details

Licence Number:0624362

Licence Status:Current

Current Applicant / Licensee:

Business Name Company Registration Number

Complete Credit Consultancy Limited 6450797

Categories:

Debt collecting

Provision of credit information services, excluding credit repair

Right To Canvass Off Trade Premises:No

Trading Name(s) (Current):

Zinc Collections

Zinc Commercial Recoveries

Zinc Credit Management

Zinc Recoveries

Issued Date: 31-Mar-2009

Date Maintenance Payment Due: 30-Mar-2014

Legal Formation:

Body Corporate (incorporated inside UK)

Current Individuals that run the organisation:

Name Position

Sharon Wiggins

Nature of Business:

Other

Current Address(es):

Address Type Address

Correspondence 25, Broadmeadow Lane, STRATFORD-UPON-AVON, Warwickshire, CV37 9FD, United Kingdom

Principal Place Of Business 25, Broadmeadow Lane, STRATFORD-UPON-AVON, Warwickshire, CV37 9FD, United Kingdom

Registered Office 29, Wood Street, Startford-Upon-Avon, Warwickshire, CV37 6JG, United Kingdom

Historic Address(es):

Address Type Address

Registered Office 29, Wood Street, Stratford Upon Avon, Warwickshire, CV37 6JG, England

Link to post
Share on other sites

It’s clearly a separate company and is itself a ‘group’ – and it’s a requirement to display your licence number.

 

Anything on their letterheads?

Emm Consumer Credit Register Comes up no result.!!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Their web site clearly states Zinc Group Ltd which is company number 06771789.

 

Here’s how they get round it.

 

The Zinc Group delivers its services from a network of partners operating under the banner/label of the “Zinc Group”.

Zinc Consumer Recoveries

Zinc Commercial Recoveries

Zinc Computer Systems

Zinc Training Services

Complete Credit Consultancy

 

So they are not being transparent.

 

Would love to see a letterhead.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...