Jump to content

 

BankFodder BankFodder


bubblenskweak

Debenhams Credit Card and CL finance

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1731 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi Guys,

 

Had a credit card from Debenhams back in 2005.

 

Due to financial problems I defaulted in 2008.

 

I used the CAB to help me out, and we set up some minimum payment with various creditors.

 

I was paying GE Capital (on behalf of Debenhams) about £5 per month.

Over the next few years I increased my payments as my financial situation improved

.The debt was then transfered to a company called CL Finance, and payments carried on.

 

The company collecting payments was now called The Lewis Group.

I assumed that they were the parent company of Debenhams.

As far as I'm aware I never missed any payments, the payments over the last few years have been £15.

 

A few weeks ago I checked my Credit report with noodle, and saw a CCJ for early 2012.

The D.O.B was wrong, and I didn't recall any CCJ's against me since 2008

 

I rang the Northampton Bulk Centre, to check it out.

They said it had been instigated by Howard Cohen solicitors, and it hadn't been acknowledged.

I rang the solicitors and they said they had been instructed by CL Finance.

 

Why would they do this ?,

 

I hadn't missed any payments.

When I said I had no court papers, obviously he wouldn't comment.

 

He said that now CL Finance are no more, and the debt,s been sold to Hoist Portfolio.

Never heard of them, shouldn't I be informed if this happens.

 

my concerns are, are CL Finance allowed to get a CCJ againts me, when I didn't get any court papers?.

 

Since reading this Forum, and thinking I was being 'Cash Cowed' I stopped paying them in March this year.

 

Should I start paying them again ?

 

Any help would be gratefully appreciated...

 

Regards..Dave

Share this post


Link to post
Share on other sites

Cash cowed, for certain!

 

Whoever won the CCJ, did it by default, and therefore you should get it set aside.

 

Have you been chased for this CCJ at all?

 

It stinks, and definitely need looking into, I strongly doubt that Debs have the correct enforceable documents from 2005 either,

have you ever demanded the CCA?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

urm..

you need to be careful here

 

the hoist group are Lewis/CL finance

 

so they are the claimant

and could well enforce non payment of the CCJ.

 

have you ever sent GE capital now Santander and most probably data now held by newday

to get all the statements to look for PPI?penalties.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

Tell you what... I'm going to start paying this again. I've managed to keep the wolves from the door for the last six years. I'm not depressed any more, and I don't worry about my debts. The small monthly payments (cash cowing) are worth it, just for the peace of mind.

Regards...Dave :roll:

Share this post


Link to post
Share on other sites

get that SAR running

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

one question..have you moved since you took this card out?

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

Hi DX, No I've lived at the same address for 30+ years.

Regards...Dave

Share this post


Link to post
Share on other sites

really!!!

 

 

its a big hurdle but you 'could' get this seta side

 

 

however.

 

 

t might be more prudent to get an sar off to the original creditor

 

 

you could nave PPI etc to reclaim/offset?

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...