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REclaiming PPI/charges on Debenhams card with a lowells CCJ

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Hi, Hopefully someone can help with this..

 

My wife took out a debenhams card back in 2005

 

 

due to difficult circumstances in 2008 she defaulted on the account.

this lead to eventually having a CCJ registered against her and a charge put on the property in October 2009.

 

i have all the paperwork for this including the original agreement she signed in store, default notice court claim form the works.

 

we are in a better position now and would like to know what would be the best outcome for resolving this? The CCJ is for just over £2k

 

The ideal outcome would be to get the charge removed removed from the property,

the CCJ removed from the credit file and a chunk if not all of the outstanding balance written off but that maybe too optimistic.

 

any advice would be welcomed.

 

Thanks in advance

 

Covers22

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CCJs remain for 6 years from date of inception. Sadly you wouldnt get rid of it per-se but if you pay it you could get it Satisfied.

Getting a charge removed is certainly possible. Have you checked for PPI etc and Charges? These are all reclaimable from the original creditor :)

 

How much can you afford monthly?

Also did you challenge and defend when you received the court papers?

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I have checked the card statements which amazingly i have all of and from December 2004 (account open) to July 2007 there is account cover (PPI) @ £1.50 per £100 on each statement.

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There is also some late payment charges of £12 each can these be reclaimed?

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In answer to what we can afford monthly and the defence at the time.

 

We could probably just about to scrape enough together to pay it off

(that would be using available credit cards as well) if that meant

 

 

we could negotiate removing the CCJ from the file otherwise we could do £200 a month max to get it cleared.

 

We naively didn't challenge and defend at the time, we hoped it would go away it wasn't a good time financially.

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the CCJ will VANISH on its 6th birthday PAID OR NOT

 

 

the CO is a different matter

 

 

whos the name against to CO

 

 

wont be DB's

it'll be a debt buyer.

 

 

PPI reclaim FIRST that's for sure!!

 

 

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

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the CCJ will VANISH on its 6th birthday PAID OR NOT

 

 

the CO is a different matter

 

 

whos the name against to CO

 

 

wont be DB's

it'll be a debt buyer.

 

 

PPI reclaim FIRST that's for sure!!

 

 

dx

 

I has a question for you DX...

 

IF PPI and Penalty fees are reclaimed and the debt is wiped. Does it make the CO not valid any more? Technically there is less debt on this?

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Thanks for the advice, i will start with reclaiming the PPI and charges and see what is left to clear.

 

Can PPI and charges be reclaimed on the same claim? if so can anyone recommend a thread where the process is explained?

 

c22

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the reclaims will be against the original creditor

 

 

so the money will goto you.

 

 

you then use that to pay the CO off to whomever is NAMED on land registry?

 

 

have you checked who it is?

 

 

reclaiming is EASY if you have ALL the statements?

 

 

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

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The Lewis Group on behalf of CL Finance is named on the land registry and GE Money ran the Debenhams card at the time.

 

I have totted up the PPI and late charges which equate to over £1200 and @ 8% APR (is this correct) the interest is over £800 so once reclaimed i shouldn't have to add much to settle.

 

c22

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if it was a credit card

 

 

then use TWO copies of the CISHEET :

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

 

are you aware of the date they stopped interest at their rate?

 

 

one copy - for every PPI payment - put their int rate in cell d 15

 

 

another copy: for the PENALTY charges.


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

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The account was opened December 2004

 

 

we cancelled the Account cover (PPI) June 2007,

 

 

the account was run until and was passed to the DCA in October 2009.

 

 

the interest rate on the account was 29.9% APR

 

c22

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passed or sold to a DCA?

did you receive a notice of assignment.?

 

 

it should be possible to findout when interest was stopped via the statements?

 

 

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

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I have a notice of assignment from Howard Cohen & Co dated 18th September 2009 and the last statement i have is dated 8th September 2009

 

c22

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oh great so cohen has not ever sent a statement since

that's against FCA guidelines for a start!

 

 

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

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i have received a few sporadic statements from CL Finance since the CCJ was lodged. but these have the balance and court & solicitors costs only and some £1 charges for letters.

 

I have also received another notice of assignment in march this year from Hoist Portfolio Holding Limited (Robinson Way Limited) but no further correspondence.

 

c22

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ok well cl/hoist/robbers are all the same lot

under H2HP2 holdings ltd.

 

 

is int still being charge on the last 2007 ge statement

though surely there must be ones till the CCJ mind you have not got?

 

 

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

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Interest was being charged on this account until September 2009 which is the last Debenhams statement I have. We cancelled the ppi on this in June 2007 and still used the account until we had difficulties in 2009 when we could no longer afford to pay and we got a default and the account was passed to the DCA.

 

C22

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then I'd suggest an sar to the oc.


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

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then I'd suggest an sar to the oc.

 

Excuse my ignorance.. What is the oc?

 

Thanks

 

C22

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sri original creditor

 

 

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

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Would the SAR give me any additional detail, i have all the original statements and i'm sure all of the letters.

 

I have looked through the paperwork again and the last interest i was charged was on 8th September 2009 to to summerise

 

  • The account was opened December 2004
  • The Account cover (PPI) was cancelled by us in June 2007
  • The account was run until and was passed to the DCA in October 2009
  • The last interest charged was in September 2009
  • The interesticon rate on the account was 29.9% APR

 

i have filled out 2 copies of the CISHEET as advised but am unsure of what to and from dates to use and what interest rate to enter for each (PPI and Charges)

 

regards

 

c22

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the int will be as you state 29.9

 

 

you need to be SURE when interest was charged till

 

 

you say you have all the letters

you say it was passed to a dca.

so it was not SOLD?, and you did not get a notice of assignment around that date?

 

 

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

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Sorry, missed an important document

 

  • The account was opened December 2004
  • The Account cover (PPIicon) was cancelled by us in June 2007
  • The last interest charged was in September 2009
  • I have a Notice of Assignment from Howard Cohen dated 18th September 2009

 

c22

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