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cl finance-monthly defaults


achant
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hi,

could anyone help me with this question please.

 

My wife has been on a monthly repayment plan with cl finance after recieving a ccj,

 

she has never missed a payment ,

 

a couple of days ago she checked her credit file and noticed she had been defaulted every month for the last eighteen months!

 

Can they do this and if not what can we do.

 

thanks

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were cl the claimant?

 

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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ok

 

can you out line the background of the CCJ

 

how long ago

 

who/what was the org debt?

 

did she know about the ccj?

 

this lot can be a wee bit sneaky and underhand where getting ccj's etc are concerned.

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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hi,the original debt was with debenhams,passed to viking then after a couple of late payments passed to cl finance who then took her to court in 2008 after more late payments, she admitted the debt and recieved a ccj.

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probably heeps of PENALTY charges to reclaim then

 

and PPI.

 

what is the default date on the cra file?

 

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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hi,

 

debenhams defaulted her in august 07,

 

cl finance defaulted her first in may 2008

then when i checked her credit file today

 

cl defaulted her from july 2008 and every month since.

 

Unfortunately there is no ppi on this,

 

but a fair few late payment and admin charges

 

.thanks

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then the account will fall off aug13

 

you can only have ONE default

 

the others are prob late payment markers?

 

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

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