Jump to content


covers22

OH's Lewis debenhams card 2009 CCJ/CO - now robbersway chasing

Recommended Posts

ok good

I would suggest that interest stopped 18/9/9

 

 

so set the claim to date to that.

 

 

next step.

 

 

you are entitled to 8% stat int on each CISHEET total till today.

 

 

so using 2 copies of the statint spready [one for charges one for PPI

 

 

enter the total from the cisheet into the stat int sheet

as a single figure at the date after the last date of their interest

so 19th sept

 

 

the sheet does the rest


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

So just to confirm that i have understood correctly

 

  • fill out one CISHEET for all PPI charges incurred from when i opened the account to when it was assigned to Howard Cohen using 29.9% as the interest rate
  • fill out one CISHEET for all late payment charges incurred from when i opened the account to when it was assigned to Howard Cohen using 29.9% as the interest rate
  • fill out one StatIntSheet the 2 lines (total from each of the above) with the date of charge as 19/09/2009 (day after the assignment to Howard Cohen) using 8% as the interest rate.
  • I can claim back the total of the StatIntSheet?

 

c22

Share this post


Link to post
Share on other sites

two stat sheets one for each not merged

 

then yes the individual totals from the stat sheets are your claim totals.

  

for the PPI you'll need to fill out:

  

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

 the FOS CQ

 

 dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Hi

 

i have completed the form but have a couple of queries.

 

the company was GE Money then on later statements that changed to Santander Cards, who do i claim from?

 

What is the process of reclaiming the PPI along with the charges and all the interest. do i luna it all together and write to GE Money or Santander Cards?

 

Thanks

 

c22

Share this post


Link to post
Share on other sites

2 sep claims

GE money often fob off reclaimers

 

 

try satans bank first.

 

 

so can we see the spreadsheets please?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

looks ok

 

 

you need to do 2 statint sheets

one for each not combined sadly.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Hi dx

 

Still need to complete this claim and been manic since xmas.

 

Please can you just confirm,

 

 

do i go direct to Santander card services with these (separately)

 

 

if so are there a template letters to use,

or should i complete the FOS PPI Claim?

do i include the interest?

 

Then what do i do with the charges claim and its interest?

 

 

again is there a template?

 

Thanks in advance.

 

C22

Share this post


Link to post
Share on other sites

re read the thread first most of the answers are already here.

 

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

 

various file attached that will need adapting

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Hi and apologies if this has been covered before. I have had a search and found something similar but didn't answer my query.

 

Many years ago I got into difficulty with a Debenhams store card debt which ended up in a CCJ being received for the debt in 2009. a number of years went by without being contacted about this and out of the blue earlier this year Robinson Way started chasing the debt.

 

As so much time had passed and the CCJ has dropped off my credit file I sent them a statue barred letter.

 

They have now replied explaining that due the the CCJ order registered on my account in October 2009 that the account is not statute barred and want me to send them my proposal to clear the debt.

 

Does anyone know how I stand legally with this and how I should respond?

 

Many thanks in advance.

 

C22

Share this post


Link to post
Share on other sites

A CCJ debt cannot become statute barred...

 

An action cannot be brought on any judgment after the expiry of 6 years from the date it became enforceable. The term “action” only applies to the commencement of fresh proceedings on a judgment, it does not include enforcement proceedings so, strictly speaking, for enforcement purposes and enforcement proceedings, no limitation period applies. However, any delay in enforcement on the part of the judgment creditor will affect any award of interest as recoverable interest is limited to 6 years on a judgment that is executed after the expiry of the 6 year period.

Court permission is required to enforce a judgment debt that is more than 6 years old. Further, the court is entitled to take account of delay and enforcement when exercising its discretion to grant any Order sought.

 

DId they also apply for a Charging Order ?

 

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

Share this post


Link to post
Share on other sites

Hi Andy

 

Thanks for the quick response. 

 

There was no charging order applied to the CCJ. The judgement creditor was GE Capital I believe, not Robinson Way who are chasing the debt.

 

Regards

 

Dean

 

Share this post


Link to post
Share on other sites

OK.

 

although their letter states they have put the account on hold for 30 days, at which point I assume the phone calls will start again.

 

will they eventually give up?

 

Thanks for the advice.

Share this post


Link to post
Share on other sites

did you and you wife both have debenhams cards then?

there another thread that says they did get a CO?

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

On hold from what ?  JUst ignore them file their letters ignore or block their calls.

 

 

And come back here when the court wtite to you to advise you that they have made an application to the court re enforcement purposes......until then ignore.


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

Share this post


Link to post
Share on other sites
13 minutes ago, dx100uk said:

did you and you wife both have debenhams cards then?

there another thread that says they did get a CO?

 

 

Hi dx 

 

you got me.. I totally forgot that i have sought advice here before on the same thing. (apologies Andy)

 

you are correct it was my wife (easier to say I) they did get a CO and i have been through the PPI claim which they threw out and the FCA agreed with them and also threw out.

 

i have since tried to reclaim on the commission rules but they have come back and offered £47 finial settlement as the amount they overcharged in commission.

 

I'm not sure why they threw out in the first place as my wife was only working part time and wouldn't have been able to claim on the policy anyway.

 

Share this post


Link to post
Share on other sites

ok merged that thread here..

 

now I will guess that the CO is only in her name on a jointly owned home

if so its a restriction k which is to all intent totally useless to them ever getting any money out of you

so they thought they'll shake the tree and see if she'll bite and start coughing up

as that's the only way they'd ever get any money out of her....


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...