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Alpins/Hillisden - Lloyds


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Folks we we unfortunate enough to rececieve a CCJ in 2010 and duly started to pay the agreed amount. I was then diagnosed with cancer and with one thing and another from Jult 2011 we forgot to continue to make the payments we then in October 2011received a leeter from DLC saying 'it's a while since we have been in contact with you etc. etc.' I rang them and asked why they were involved and was told they were acting for the court, I didnt believe this and ignored all further letters from DLC, then the letters started coming from DLC stating that the creditors name was Hillesdens Securities Ltd formerly Black Horse Ltd. All these letter state that the CCJ was awarded at my local court, it wasn't it was issued through NCCBC.

 

My questions are as follows:

 

1) Can a CCJ judgement be sold on?

2) If so should I not have been informed?

 

I completely admit not paying anything since July 2011 as I could not get a definite answer as to who owned the bloody thing! I now have a letter from Alpins saying that they are applying to have me brought before my local court to be examined on Oath as to the reason for non-payment plus detailed information of my income, assets outgoings and overall finacial situation. This will involve a court fee of 50 pounds and potentially a commital warant could be issued form my arrest if I fail to attend.

 

Advice please....I do intend to start paying again!

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were dlc just acting on behalf of claimant re collection? if so, not good of them to say acting on behalf of court. and now, actual claimant is seeking enforcement of the ccj?

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does seem then as if it has been sold on to hillesdon? can a ccj be sold on? in which case should've received a notice of assignment?

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maybe a proper notice of assignment (law of property act) of the ccj would suffice for their purposes? don't think they are required to send out an actual copy deed of sale?

anyway, maybe mention it at court when you go? double check that they are entitled. if there is no proper notice of assignment as required by the LPAct, then they shouldn't be pursuing it? when roughly is your hearing?

Edited by Ford
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The DoA is sensitive/confidential and will not be disclosed.

 

Andy

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Andy - thanks for the clarification

 

Ford - There is no court date they have asked we contact them to make repayments or reach an agreement. They have said that going back to the original sum of 75 pounds a month (set by the court) is no longer acceptable.

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had thought as per your post you were going to be requested to attend to explain?

I now have a letter from Alpins saying that they are applying to have me brought before my local court to be examined on Oath as to the reason for non-payment plus detailed information of my income, assets outgoings and overall finacial situation
Edited by Ford
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no worries. just a question at the moment then whether they have sent a proper notice of assignment (assuming the ccj can be assigned) to enable them to collect on it?

perhaps andy can clarify on that?

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