Howard cohen & co solicitor - 2x HSBC CCJs - No response, do they exist?!!

[neobass]

Further ongoings with this.

 

Letter was sent from there last response,

 

October 15th 2013

Howard Co & Co Solicitors

Po Box 110

Cleckheaton

West Yorkshire

BD19 4XT

Dear Sir/Madam

Account No: ******

With reference to your clients letter on the 14th of October 2013.

Response to CCJ I have showing on my credit file for,

Issuing Court: *********

Case Number ************

Date: 24/08/09

Amount: £5,658

Balance: £4,589.84

I write with reference to previous communication regarding your offer of £2,500 for the CCJ file against me.

 

Your letter dated 8th of October 2013, states you were happy to accept the £2,500 as final settlement of the CCJ file, where you stated upon receiving my cheque the case would be marked as 'satisfied' However upon receiving letter from CL Finance Ltd dated 14th October 2013 its states it would accept £2,500 as 'partial settlement'. This has left me somewhat confused since the last letter I have been lead to believe this had been a mutually agreed solution to the problem. I do not want the £2,500 to be used to mark my CCJ as 'partially settled' as it makes no difference in the grand scheme of things if its 'unsatisfied' or 'partially settled' they both more or less mean a major negative on my Credit report.

I am unable to make the full balance of £4,589.84 and only able to manage £2,500 from a close family member, not forgetting this is the offer amount you proposed which I was able to arrange funds for. With your wordings being contradictive this has left me in an uneasy position as to whether I revert to small token payments as I am unable to pay the full balance. Seems I will be left with no choice but to continue with the smaller payments which will mean this will go on being paid for many years to come. This can be settled without fuss with the single payment in a matter of days not several prolonged years.

 

If I have read it wrong I would appreciate that you confirm in writing what I have been lead to believe, that the £2,500 would be complete one off settlement payment and my CCJ marked as 'Satisfied' on the Credit Reference Agencies report. This also means no extension of the CCJ on my report or debt sold on. Complete and final, not partial but 100% case closed.

 

Thanks again for your time in this matter and I look forward to receiving the relevant confirmation in due course.

 

 

Yours faithfully

--

 

They have now responded with CL Finance giving further clarity that it is a full/final.

 

Any other potential dangers to be aware or should I accept offer and post cheque?

 

Thanks all.

[Wooks001]

Bit unusual to sign with a company name isn't it?.

If they don't honor the deal surely you need to be able to say so and so said this.

[neobass]

That's a good point! wonder if that's got any implications tied to it?

 

I never got a follow up to the mastercard CCJ,

which is same DCA just different amounts/case number to overdraft CCJ.

 

I'm chasing them for clarity on that one as its only £1100 which they offered £600 as F&F.

 

Odd they didn't respond to that one, but rightfully writing to them this week for response.

[fletch70]

The only thing that worried me was although they said full n final they did not say they would mark as satisfied (or am I blind)

[neobass]

On this letter yes.

 

See this is why this is dragging on, they don't say everything in 1 sentence.

 

I think only way is if I write

 

'We solemnly declare than £2,500 is a full and final settlement for complete closure

and 'satisfied' status of the CCJ against your account' and have them sign/return!

[BRIGADIER2JCS]

No mention of not selling on the remaining balance to a 3rd party either.

[fletch70]

To be honest as HL are part of the lewis group you would have an excellent case with the ICO if they didn't mark everything as settled.

Just my opinion though

[fletch70]

No mention of not selling on the remaining balance to a 3rd party either.

 

Although the letters do say they will issue the appropriate paperwork to apply to the court to mark it as satisfied so again I would think pretty watertight

 

Again just my opinion

[neobass]

Final letter may be required then requesting there letter to quote the following, signed by them.

 

"CL Finance solemnly declares that the £2,500 offered to Mr ........................................ to be full and final settlement payment. Full closure of the CCJ case number X123456789 to be marked as 'Satisfied'. The debt shall not be sold on to another debt collection agency, nor will the CCJ be extended. This is agreement is full and final"

[Wooks001]

Better safe than sorry.

You want a definite end to this now so it's worth being sure that the paperwork is legally binding. Can you pay/process the paperwork via the court. Don't think they would mess that up.

[neobass]

Better safe than sorry.

You want a definite end to this now so it's worth being sure that the paperwork is legally binding. Can you pay/process the paperwork via the court. Don't think they would mess that up.

 

Absolutely!

 

I'm not sure if there is a way to do that i'm all ears

[neobass]

So sent off 2 letters. One for each CCJ to HC&CS.

 

 

Dear Sir/Madam

 

Account No: ...........................

 

With reference to your letter on the 1st of October 2013.

 

Response to CCJ I have showing on my credit file for,

Issuing Court: Northpole

Case Number £$%^^^

Date: 10/08/09

Amount: £1,367

Balance: £1,118.88

 

I write with reference to previous communication regarding your offer of £600 for the CCJ file against me.

 

Your letter dated 1st of October 2013, I am happy to see that your are fulfilling the offer made by you against the CCJ file case number $^%^%^% for acceptance fee of £600 which will mark the case as 100% 'Satisfied' and Full & Final.

 

So that this is a complete binding agreement I require your client CL Finance to confirm by writing the statement given below,

 

"CL Finance solemnly declares to Mr ......................... offer made for CCJ Case Number $^^%$£$^^ of £600 to be Full and final settlement payment. This is Full closure of the CCJ Case Number $£%%£$% to be marked as 'Satisfied'. The debt shall not be sold on to another debt collection agency, nor will the CCJ be extended. The case will only be marked as 'Satisfied' on the Credit Reference Agency NOT as 'partially satisfied' "

 

The above statement MUST be quoted in there letter and signed/dated. Once this is received the cheque of £600 will be sent via Special delivery.

 

Thanks again for your time in this matter and I look forward to receiving the relevant confirmation in due course and bringing this case to final close.

 

 

Yours faithfully

 

 

Hopefully this will be put to a close within the next 7 days.

[neobass]

Plot thickens!

 

What are CL Finance playing at? Now Lewis Debt Recovery are acting for CL Finance.

 

Looks like I need to send copy of letters to all three! CL Finance, Howard Co and Co Solicitors and Lewis Debt Recovery - JUST to cover my own trail. Already mentioned by some there all linked/same. But how stupid do they think you are not to notice!

 

[ATTACH=CONFIG]47416[/ATTACH]

[citizenB]

If you are receiving multiple communications from the different companies within the group, I would send a Complaint to CL Finance Head office advising this is against OFT guidelines and could they please designate ONE of their in house group only to make contact.

[neobass]

If you are receiving multiple communications from the different companies within the group, I would send a Complaint to CL Finance Head office advising this is against OFT guidelines and could they please designate ONE of their in house group only to make contact.

 

Good Idea, will get a letter sent out Monday pronto!

[Wooks001]

FOS too, I was awarded compensation for exactly this.

[dx100uk]

who is actually named as the claimant on the two ccj's?

 

dx

[dx100uk]

also, what is your motive for paying these off?

 

even if you get the cc'sj satisfied and get the certs of satisfaction from the courts [£15 each mind!!]

 

that STILL wont guarantee a mortgage say...

 

sadly even a satisfied CCJ will kill your mortgage application

unless your lender has told you otherwise.

 

dx

[neobass]

Doesn't actually say. Where would it say that?

[neobass]

Yup, I know it won't guarantee a mortgage but surely puts me in a better position?

[dx100uk]

I very much doubt it.

 

the existence of a CCJ paid or otherwise is almost guaranteed to kill a mortgage application

or bump up the int rate you can get.

 

dx

[neobass]

OK, but indeed on the CCJ it doesn't actually state the claimants name. Shouldn't it refer to something?

[dx100uk]

yes every CCJ names the person to pay in the judgement box

 

dx

[neobass]

Yup says my name, sorry brain fade not sure if you meant the bank/company making the claim against me.

[fletch70]

The CCJ will disappear after 6 years on your credit file anyway although still be payable.

 

However it makes financial sense to me if you can get a big discount on the total