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    • Well before you can determine if its Statute Barred you need to find out what it is......do they refer to an account number ? If so send them a CCA request section 78...see if that throws any light on the alleged debt.   Andy
    • Hello All - I've received a letter today from Cabot Financial advising that they are passing on a debt to Global Debt Recovery Ltd as they haven't been able to contact me. I haven't received any letters from Cabot for a couple of years and those letters didn't quote any amount like £7000. I haven't ever contacted Cabot either. My address hasn't changed for over 10 years.   The letter states that the outstanding balance is around £7000 and the Original lender according to this letter is SAV Credit. I don't recognise this debt amount as I've never had a credit card with that sort of credit amount (4000 was my max limit) and I don't recognise 'SAV Credit'. I've checked my credit file and nothing new has been added. I have one CCJ granted in 2015 for £3500 which I assume expires at the end of this year.   On the other side of the same letter Global Debt Recovery are asking me to contact them to arrange a repayment on this debt. My financial problems are from around 2012/2013 and I'm sure I was unable to make any repayments to my debts from around that time so I'm assuming that this would make this debt 'statute barred' anyway. I was made redundant a few years ago and I'm on Universal Credit at the moment and have no way of paying this kind of money. I'm not too keen on just ignoring this type of letter as that has caused me problems in the past.   Would appreciate any advice Thank you           
    • mrabody   No loss, just general damages as per Durkin.   The bank has already paid out £750 for the distress and inconvenience they've caused in taking too long to mark the account as settled and passing the debt onto a DCA. However, they would not accept damage to the credit status from 2014 even after admitting that the account should have had a default status and that the same would have fallen off in 2014.   Ill post their letters when I receive the contents of my DSAR.             
    • forget the texts and emails...irrelevant, dont lambast him too hard about doing the right thing by ignoring them.   as to where you go. yours is not the next move. other than gather/await then digest all the info.   dx  
    • It follows criticism that firms take a large proportion of compensation for mis-sold financial products. View the full article
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Once you have accepted a CCJ, can you challenge


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Hi,

I was pressured into accepting two CCJ's as appearing in court would have been devastating, if it got that far.

 

Is it possible to mount a new challenge against the debt as I am sure that there is no enforceable agreement?

 

One was a Debenhams store card and the other was a Debenhams loan. Both were taken over by CL Finance.

 

 

They are a millstone around my neck, in more than one manner.

 

Thanks,

Rocky

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Sadly if you accepted the CCJs that is the end unless there is an error in procedure to get them set aside, or an error in law of which to appeal against

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However, the store credit card

 

Any PPI? Any late payment charges or over limit fees?

 

The Loan, Any PPI?

 

THESE can still be reclaimed.

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Hi,

I was pressured into accepting two CCJ's as appearing in court would have been devastating, if it got that far.

 

Is it possible to mount a new challenge against the debt as I am sure that there is no enforceable agreement?

 

One was a Debenhams store card and the other was a Debenhams loan. Both were taken over by CL Finance.

 

 

They are a millstone around my neck, in more than one manner.

 

Thanks,

 

I don't understand above appearing in court.

 

Technically, your case did and you then received the CCJ's against you.

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Why would it be devestating? Its not a criminal court. Its a civil court. You got the CCJ's anyway, so im not sure i understand.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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I don't understand above appearing in court.

 

Technically, your case did and you then received the CCJ's against you.

 

Admittance./..default judgment does not require a trial stella

 

Andy

We could do with some help from you.

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