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


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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 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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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

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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 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

 

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

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2 sep claims

GE money often fob off reclaimers

 

 

try satans bank first.

 

 

so can we see the spreadsheets please?

 

 

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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looks ok

 

 

you need to do 2 statint sheets

one for each not combined sadly.

 

 

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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  • 3 months later...

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

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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 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
  • 4 years later...

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

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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

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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

 

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Excellent well dont respond....file.

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 The National Consumer Service

 

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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.

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  • dx100uk changed the title to Lewis debenhams card CCJ/CO

did you and you wife both have debenhams cards then?

there another thread that says they did get a CO?

 

 

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

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 The National Consumer Service

 

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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.

 

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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 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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  • dx100uk changed the title to OH's Lewis debenhams card 2009 CCJ/CO - now robbersway chasing
  • 2 months later...

Hi

 

Robinson Way are still chasing on this saying its not statute barred, but another issue has come to light since submitting a mortgage application.

 

CL Finance have a second charge on the property for this from ~2012, which the mortgage lender want removed before making an offer. CL Finance Limited (Company no. 01108021) was dissolved in October.

 

Does anyone have any advice on how i can have the charge removed and how we can stop Robinson Way chasing.

 

Many thanks

 

Dean

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On the same debt?

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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You cant have 2 judgement s and 2 co's for the same debt.

as said earlier its a restriction k. Joint owned property.. sole debt.

Doesnt need paying in most cases to remortgage?

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

 

I was in same situation - sold on debt Robinson Way chasing.  CCJ and Restriction type K still in original creditors name.

 

I had to get the restriction removed to remortgage.  There is no getting away from this.  Believe me i tried everything but all mortgage companies will insist on restriction being removed.  I used money from the remortgage to settle the debt - conveyancing solicitor sorted this out.

 

Remortgaging is really the only time a restriction will cause you an issue.  Its easier to get shot of if your selling and you have a solicitor who understands the process.

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But only if you remortgage with a new creditor and not the original mortgagee

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 The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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