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NR/NRAM/TMC with unsecured loan - they got unknown CCJ


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Hi all

 

Just found this thread as I was searching for advise with regard to my Together mortgage.

 

I currently have one with an unsecured part at £30k.

 

I am up-to-date with my payments although there was a period when I lost my job and was only paying part of my monthly payments.

 

I eventually found a permanent job and have been on it for 5 and half years.

 

Now I have been offered a position with another company

but was retracted last week on the grounds that they performed a credit check and found a CCJ against my name

which is lodged by NRAM in Dec 2009 - less than a month before I started my current job (Jan 2010).

 

I would have informed them of the new job then the same way I informed them when I lost the previous one,

and have made overpayments to my mortgage payments to get back on track and I am now up-to-date without any arrears.

 

I have now lost this offer of a job because of this CCJ and although the unsecured part is gong down,

NRAM refused to clear this in my record, nor sent a letter to clear with my supposedly new employers.

 

I am unable to get back by old job so it looks like i'm going to be unemployed unless i find another job sometime soon.

 

Is there a case for suing NRAM because of this?

 

Does anyone know of a similar case or maybe refer me to a solicitor that can help me with this issue?

 

I also look forward to hearing what outcome will be with regard to the CCA issues

as I am in the same boat as everyoen on here.

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own thread created.

 

 

the CCJ will drop off on its 6th birthday.

 

 

what do you think they have done wrong here?

 

 

had you moved and not told them you new address

and they served papers to the wrong address?

 

 

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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place a CCJ?

 

 

they must have gone to court because you failed to pay it?

 

 

did you ignore everything during the that time?

 

 

you would have gotten several warnings and a claimform from the court first

 

 

don't think after all this time

theres really anything you can do.

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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That's the issue, I haven't stopped paying.

 

I paid in part when I wasn't in a full time employment and I have called them to advise of this.

 

They actually called me every month when the mortgage is due to confirm whether I can start paying the monhtly amount in full.

 

The moment I found a permanent, full time position I advised them.

 

This would have been in late Nov or sometime in Dec 2009.

 

CCJ was dated 16 Dec 2009 and I started work 11 Jan 2010.

 

I assume they sent the letter to the old address but they are aware i wasn't living there (regular monthly phone calls).

 

I do recall them calling me directly and advising me they have placed a Charge on the unsecured part to secure it but no indication of a CCJ.

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in those days they would have needed a CCJ before they could get a CO.

 

you were paying less than the required PCM?

so they were within their rights to issue a claim.

 

they didn't know you hew address?

so they quite legally served it to your old one.

 

its upto you to inform your creditors in writing

that you have moved.

 

if either of the above apply

I cant see any point in a set aside

and can see no viable defence even if you do.

 

and anyway

by the time you've argues all this the CCJ would have vanished [+6yrs its removed]

 

as for the charging order, which property

cant be the old one, you've moved?

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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1.you were paying less than the required PCM? so they were within their rights to issue a claim.

*** even though they agreed with the payments?

They called me every month asking how much I can pay.

 

 

2.they didn't know you hew address? so they quite legally served it to your old one.

*** as above, they have my number.

They could have contacted me - which they did AFTER the charge has been done

 

 

3.its upto you to inform your creditors in writing that you have moved.

** as above, they have my mobile number

 

 

4.if either of the above apply I cant see any point in a set aside

and can see no viable defence even if you do.

and anyway by the time you've argues all this the CCJ would have vanished [+6yrs its removed]

 

 

** I agree, but my point is why do that when they know I have been making payments

and I have also contacted them as soon as an offer of permanent employment has been placed.

They placed the charge less than a month before I started my new job

 

 

5.as for the charging order, which property cant be the old one, you've moved?

*** the same property the mortgage was on.

But letter was sent to another address as I was moving around where i can get contract jobs

Edited by dx100uk
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1.doesn't matter that they agree to a lower payment, you've still broke the CCA you signed

2.mobile do not count as written comms.

3.as above

 

 

this charging order...

its now gone as you've sold the property.

 

 

are you getting mixed up between a CCJ and a charging order?

 

 

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

The point I'm trying to get to is that if they have been calling me regularly, why can't they just confirm my address? This way, I would've received the letter and able to defend myself.

 

 

No, the property is not sold.

 

 

Yes, I am confused as I was called to be advised that as charge is placed, then now realised I have a CCJ. This is the main reason I posted in this thread.

 

 

As a result, the new employers have withdrew their offer of employment. My current one cannot offer my old job back. So I am facing unemployment.

 

 

May I ask what you do for a living?

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ok so the bottom line is

you have a CCJ from 16 Dec 2009

 

 

it will fall off your credit file dec 2015

 

 

and can no longer hurt you.

 

 

just to certainly prove things

 

 

you can check if theres a CO by using the land registry site

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
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