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leyuads

Asda/Santander CCJ

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Hi all .

 

First up, thank you all so much for the help that you offer. I am sure that I am not alone in thinking that I would be feeling much more desparate were it not for the knowledge that there are so many helpful people out there .

 

I have posted previously about a variety of debts from a variety of sources which I have. I started with the usual advice of sending letters etc but for one reason or another I lost track of things and got a bit confused how far I had got with everything. The upshot of this was that I got a letter from Howard Cohen & Co. notifying me of legal action and recived my claim form from Northampton. I (just about) replied in time and contested on the basis that I had sent my CPR31.14 request to Howard Cohen but had not yet receievd a response.I then received an Allocation Questionnaire at around the same time that my organisation gave up the ghost so this remained unopened and a judgement was entered against me .

 

The General Form of Judgement was dated 21 October 2011 and the Judgement for Claimant dated 22 November 2011.The total amount owing is £2,220, due to be paid at £125 per month, according to the judgement .

 

The first payment was due December 2011 but no payments have been made to date. I think I had a couple of chaser letters early on from Howard Cohen but had not received anything since then until a letter arrived at the weekend from Scotcall advising that I owed £2,003 (the outstanding credit card amount excluding the court fees) and they were very disappointed that I had not been in touch to arrange repayment .

 

My questions are:

-I assume I need to send Asda/Santander a SAR as I have not yet done this .

-Does anyone think I might have a case for getting the CCJ removed given Howard Cohen's none-reply?

-I am in a position to offer a full and final settlement, but can this be done where there is a CCJ in force?

 

As always, thank you everyone for your help .

 

 

Edited to make it a bit easier to read :)

Edited by leyuads

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Hi

 

I think its pretty safe to assume that you have no chance of a set a side on a judgment dating back to Oct 2011 and with no offer of payment for over 12 months.You are lucky they have not decided to execute further by way of an Attachment of Earnings or Charging Order.

They have judgment for the amount on the Order ..there is nothing to stop you offering a F&FS payment but don't be disappointed if there is no response.

 

Regards

 

Andy


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Thanks Andy

If I was to try to offer F&FS, who would i do that to? Scotcall were not aware that this was a CCJ related debt, so I assume they would not have the authority to make the offer?

So would it be to Santander, the Court or Howard Cohen?

Thanks again

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Whoever the claimant was on the Judgment Order.Ignore Scotcall they are the ambulance chaser. I would assume its Howard Cohen but they have over looked collection (and execution by the look of it).

any CCJ that has not been collected or executed within 6 years then becomes Statute Barred and can only be executed by permission of the Court.

 

Andy


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Looking at teh judgement the claimant was Santander with address for payment being Howard Cohen.

I'm assuming Santander would not be particularly receptive to an offer for F&FS where they have a judgement against me.

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You wont know until you request...but then again you are not being pressured for payment or any other further options of execution being threatened.The Judgment remains on your CRA file for six years paid or unpaid.Think carefully before awakening the Claimant to those facts.


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So the CCJ is on file for 6 years whether I clear it now or 5 years from now?

I have access to a small lump sum and was hoping to get this (and a few other debts) all paid off F&FS with it so that I can make a start on rebuilding my credit rating.

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Looks like Howard Cohen and Co have nothing better to do, than use Northampton County court Bulk Centre to perpetrate the fraud they are committing against many people. CCJ only stays on your credit file for 6 years just like defaults. But what people must realise is this, there is no sitting judge at Northampton county court bulk centre so the claimant who is Howard Cohen as they have printed their company name at the bottom, is the one who makes the judgement. Santander Cards UK Limited who purchased debts when GE Capital went tits up as in my scerio pass it onto Lewis group who inturn pass it onto Howard Cohen and Co Solicitors which is a associated company of theirs. Theres a lot of moneky business going and I filed my service docs a few weeks back and will be submitting defence of 2 bills which I Howard Cohen owe me for breach of contract as I have a contract with them. They provided me with no proof that they were assigned anything from santander.

 

A question which should be asked is for Howard Cohen and Co to provide legal proof they are solicitors

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Sorry just reading this as I have been served the same kind of papers by this company so where do I go now?

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Sorry just reading this as I have been served the same kind of papers by this company so where do I go now?

 

Could you please start a thread on this llama.

 

Regards

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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I have got my local police comissioner involved and made sure the NCCBC custer service added that I have got my local Police commisioner involved and sent him copies of paperwork and informed him of the fraud and larceny that Howard Cohen and co have perpetrating via the NCCBC.

 

I am working on my final socs and have 3 bills for Howard Cohen as I have got them into contract and they have breached em. I have worded it into a agreement that they will pay my counterclaim fees to.

 

If you want a copy of what I have done, I will send you and I will make it clear my way of doing things is my own personal choice and I am not advising people to follow me. But I am not going to allow these fraudsters to get away with things.

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