CCJ from Cabot/restons lloyds credit card 'debt' - I knew nothing about

[dx100uk]

your need to scan up all those docs you mention please

 

 

don't forget to PDF them

 

 

best way is to put everything into a word.doc

then PDF that.

 

 

dx

[AndyOrch]

You just need to draft an appropriate defence now in advance for January's hearing.

[mmfhater]

You just need to draft an appropriate defence now in advance for January's hearing.

 

I'm going to go along the lines of

 

I never recived the court papers and when I recived the ccj papers I applied to have it set aside

 

I sent a cca request to determine weather the debt was mine and also to see if their was any ppi or charges as of yet I have not had a reply to the cca except 1 letter saying they had to contact lloyds

 

2 months later I phoned in a recorded call to follow up the cca request I was then informed they had no paperwork from lloyds and the debt is unenforceable

[mmfhater]

Hi all

 

In 2014 got a ccj from restons which I tryed to get set aside and lost and have been paying off with the amount the court set

 

Today I got a letter from them wanting me to fill out a I&e form so they can see if I can afford the payment

 

It also says that I can get a discount if I pay a certain amount and they will mark my credit file as partly satisfied

 

I take it I can ignore as don't they have to go back to court to change the amount ??

[renegadeimp]

You pay what the court told you to pay. Nothing more, nothing less.

[mmfhater]

That's what I thought and no doubt if I did take there offer they would probably sell it on

oh well il carry on paying them for the next 2 years

[renegadeimp]

Restons will try and do whatever it takes to get more money from you. They want the bulk payment so they can get some fast cash, then sell the debt on, or close the accoutn because theyre not willing to wait for however long it takes.

[mmfhater]

Seeing as my hours at Work have been reduced I may apply to change it to a lower amount just to p them off

[renegadeimp]

Go through the court and do it. They cant say a word about it.

[dx100uk]

Did you ever sar Lloyd's?

Sounds like there are charges and/or PPI to reclaimed?

 

Dx

[mmfhater]

Did you ever sar Lloyd's?

Sounds like there are charges and/or PPI to reclaimed?

 

Dx

 

No not yet as I don't want to open a can of worms as I have 2 debts with them which are SB in a year or so but they have not been reported on for a couple of months

 

One is a loan that I had to take PPI on if I wanted it

I did complain about that and I think they just stopped the PPI and refunded what I had paid against the loan but I remember I had to sign some paperwork to say I won't take action in the future for it

 

The other is an overdraft

[dx100uk]

are they defaulted?

awaiting the debts to be SB'd

will not stop the PPI being offset if the OC still owns the accounts.

 

 

dx

[mmfhater]

I have just looked on clearscore and that says the Lloyd's account are closed

 

Il get the sar sorted and post it at the end of the month

[mmfhater]

i now got restons texting me to contact them

 

I May have a laugh and ring them and record the conversation and tell them to go stuff themselves

and if they want to vary the court order to go back to court