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Hi

 

 

have had a ccj in 2010 as I had a very bad debt management company after losing my job,

 

 

I have not heard anything from this debt since

 

 

the ccj is obv still sat there

 

 

on my credit file the account havent been updated for nearly 3 years,

 

 

I know the court papers were never returned

 

 

Im sure I didnt sign any agreement

 

 

I applied online for the cards and never that organised to return them when they arrive,

 

 

would you cca them or let it lie thanks

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A cca request would be pointless now that the court has judged that you owe the debt. I assume you didn't defend this at the time? Was the debt on your dmp?

 

What's Best for You?

 

 

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Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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is it pointless if the agreement isnt signed or?

 

it was on dmp

 

 

arrow said they hadnt recieved payment from them for 3 months,

 

 

the dmp said they had been emailing and ringing them to pay them

 

 

they had changed offices or something,

 

 

I got a letter from arrow and forwarded on to dmp

 

 

they sorted it but then the ccj appeared.

 

 

I thought if i asked for cca and it proved no agreement etc

 

 

I could argue it, the statement on credit file has not been updated either

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You would need to get the judgment set aside and then the case would be reinstated and you would have the opportunity to defend. If the agreement was pre-2007 you MIGHT stand a chance. I don't think you've got a chance of a set aside after all this time, but I will ask those with more legal knowledge to look in.

 

 

Do you know why the papers weren't returned to the court?

 

 

Can I assume that you've kicked the DMP company into touch now?

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Moved to Financial Legal Issues forum as it's more to do with legalities at the moment.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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not being funny

but is the ccj causing you issues?.

 

 

might be better to let things lie.

 

 

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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I tend to agree with dx. I don't really think you can do anything now tbh.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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This doesn't appear to be very coherent.

 

You haven't made any payments to the account via any route since 2009. You received a Judgment against you in 2010 and even now, there has been no contact from the Claimant ?

 

Did you receive the original claim form - why did you not defend or acknowledge at the time ?

 

The claimant has until 2016 to enforce the Judgment debt - after which time they would need to return to the court to ask for permission to do so.

 

If you own your own property - they can apply for a Charging order.

 

If you are working, they can apply for an Attachment of Earnings.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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at the time i was using a dmp and they,ve messed up,

 

 

I didnt speak to arrow once into their agreement and

 

 

it was only when i got a letter saying they hadnt been paid for a few months that I checked with the dmp and

 

 

they said they had been struggling to get in contact with arrow.

 

 

The court letters were sent off to dmp and they never got it blocked and wasnt sent into the courts at all,

so I stopped all together amd not paid since.

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who were the useless DMP company?

 

 

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 John,

 

Even though you sent the court letters to the DMP, it was still YOUR responsibility to deal with the court papers within the stated timescales.

 

If you wanted to challenge the CCJ and seek a Set-Aside, that should have been done as soon after the CCJ was granted. You're NOT going to get a CCJ Set Aside so long after the event.

 

I therefore agree with the others here - there's no point in you doing anything for now. Wait and see what the creditor does for this, and you can then respond accordingly.

 

:-)

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thanks, just didnt know while I was dealing with one to address the others, as I know I never return the contracts. So best thing is to deal as they come and if I dont hear anything let them lie.

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Yes, but let us know if you get further contact or demands about this case.

 

:-)

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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thanks,

 

 

ive just got my credit file and was wanting to clear some up so doesnt make my life seem so bad.

 

 

I had a really bad dmp and before this was on £700 a week etc and

 

 

then went through a messy seperation where I paid her out and

 

 

have found out she had fraudently put her name on the mortgage and

 

 

also had a unsecured loan from rbs to which they got a ccj and charging order on me and

 

 

my dmp took £35 off me to get it blocked and

 

 

never even sent it to the courts,

 

 

buried my head after that and not paid anyone since 2009

 

 

a few have gone satisfied,

 

 

just a few are now trying like marlin who charged a fortune in interest for a old egg card.

 

 

Just wish there was someone who I could pay to clear a few up as everyone offers different advice and mashes your head.

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paying the debts off will not improve your credit rating.

 

 

CCA request everyone.

 

 

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

if you are paying anyone without a CCJ or CO inplace

 

 

then CCa them

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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