SLL Capital - Enforecment Department [DCA] - old stayed claim?

[madmatt101]

Hi

 

I have been getting emails from SLL Capital telling me that they have a CCJ against me and to make a payment to them and offering substantial discounts.

 

The CCJ is apparantly for a loan I took out with Safe Loans.

 

However when I have searched Trust There is no CCJ recorded.

 

Should I continue to ignore these guys or is there something I should do

[fkofilee]

Check Noddle to just to be sure.

[Bazooka Boo]

Did you take a loan out with unsafe loans?

 

Have you moved recently?

[dx100uk]

well whatever it is

they are a powerless DCA and can 'enforce' NOTHING!

 

 

probably some muppet that cant type acorrect mobile number in their threat-o-mobile

[madmatt101]

Thanks,

 

I had a loan with them years ago and wasnt able to pay it off as I lost my job.

 

Nothing appears on Noddle however they keep sending me emails like the below

 

 

You have limited time before we consider enforcement options for the outstanding judgment

YOU WILL NEED TO DO SOMETHING ABOUT AN UPAID CCJ.

WE WILL WORK WITH YOU TO SATISFY THE CCJ - you will benefit.

Find out more

 

We have real solutions to real problems- working together we can resolve them

 

Please select from the various options below within the next few days and we will have no need to issue a default notice

 

TAKE ADVANTAGE OF OUR PAYMENT OPTIONS AND BECOME DEBT FREE

 

SETTLEMENT OFFER - 30% DISCOUNT

You can settle today for £

Pay Now click here to access our safe and secure on line payment portal.

You will save £

 

Cannot pay now - we have a solution - you can pay over 2 instalments and you can still claim your 30% discount.

Apply today and once we receive both the instalments your CCJ will be satisfied and you will benefit.

 

SET UP YOU PAY PLAN – From £ PER MONTH

You can pay more and your debt will be settled quickly.

Set up pay plan today and over time your CCJ will be satisfied.

 

Did you know you can still submit a settlement offer?

 

MAKE AN OFFER TO SETTLE

Any time 24/7 online, we'll seriously consider all sensible settlement offers which you can make online now at Make an Offer

 

Did you know that an attachment of earnings order will mean that your employer will be ordered by the court to take money direct from your wages to pay off the debt over time.

Read more

 

 

Yours faithfully, ENFORCEMENT DEPARTMENT SLL Capital

 

 

 

SLL Capital Ltd is authorised and regulated by the Financial Conduct Authority. Financial Services Register

Interim permission number: 271778.

Registered in England No.2410955 - Registered Office: Unit 6B ZK Park, 23 Commerce Way, Croydon, Surrey. CR0 4ZS.

If you are not the intended recipient of this email (and any attachment), please inform the sender by return email and destroy all copies. Unauthorised access, use, disclosure, storage or copying is not permitted. SLL Capital Ltd cannot guarantee that this message or any attachment is virus free or has not been intercepted and amended. You should perform your own virus checks.

[Bazooka Boo]

Did you have a loan with safe loans??????

[sillygirl1]

Check with Croydon Court, the Safeloans office is just round the corner from there which is why they are one of the few PDL companies who do use court - easier for them than others going via Northampton.

 

If they don't have a record of it then they need to be reported ASAP.

[dx100uk]

well even if you 'do' have a CCJ

paying this will not help any credit rating anyway

its there for 6yrs paid or not.

 

 

somethings not right.

 

 

your mention you did have dealing with them years ago

have you moved since that time?

 

 

dx

[madmatt101]

I did have a loan with them .

 

I dont have any CCJ on my credit record or with trust online.

 

I have also moved in that time but they arent sending letters to me, only emails.

 

My parents still live at my old address

[Bazooka Boo]

I have also moved in that time but they arent sending letters to me, only emails.

 

My parents still live at my old address

 

There's the rub!

 

So you would have received anything sent to you via your folks address?

 

Did you settle you loan?

 

A DCA chasing an alleged CCJ, nope, can't see how that would work.........

[madmatt101]

I was going to tell them that they don't have a CCJ however the loan becomes statute bared in February 2018.

 

I haven't settled the loan. And safeloans does not trade anymore.

 

If i let them know of the error would they then be able apply for a CCJ?

[dx100uk]

is your parents address listed on your credit file under linked addresses?

 

 

did you search under your parents address for the CCJ on trustonline?

 

 

dx

[madmatt101]

Yes I did the search under my parents address, not my address.

 

My new address is linked in my credit file.

 

There is no listing of the debt in my credit file either. I have all the emails from Safeloans and SLL Enforcement which is how I know when it will become statute barred

[dx100uk]

is your parents address linked to you on your credit file?

 

 

just covering all angles.

 

 

dx

[madmatt101]

my parents address is linked to mine on my credit file

[sillygirl1]

Safeloans does trade now - back to their old money lending patch - they just don't do payday loans anymore after being jumped on. I know because I went past their offices in Croydon the other week and they were still open.

[sillygirl1]

Link to Safeloans webpage for claification - it was the beginning of May I was past their offices and they were open... http://www.safeloans.co.uk directing people to Mr Lender.

[dx100uk]

well sb is a long way away.

 

if you've got all the comms and its run for this long

 

I'd let it run on for a bit.

 

you could always ask for the CCJ number

but not yet

could just be their normal MO on trying to scare people

 

I had that with an old gas debt.

 

from oriel DCA

 

 

dx

[Bazooka Boo]

Yep, wait and see if they can afford postage and will commit to sending you their claims in writing, then you can

run them ragged.

[madmatt101]

They sent another email, this time with a court reference number, however there was no court mentioned.

 

I spoke to my local one and they said that it is with Northampton bulk centre and the claim was stayed in january 2013 due to no action by either party

 

What could I do now? could it be unstayed?

[dx100uk]

if its stayed, next move is theirs if they wish to pay and unstay it

 

 

dx

[madmatt101]

I updated my address with the court, so I will know if they unstay it.

 

Does this stayed claim stop the statute barred clock and how could I kill the claim to get statute barred.

 

It will be statute barred in 2.5 years and I dont want them to unstay it in say 4 years and get a default judgement as I was told by the court that it is too late to file a defense so if they unstay they will get a default judgement

[Bazooka Boo]

AFAIK (and remember??) As soon as they issue a claim the clock stops ticking from then.

 

As for it being too late to file a defence? I'm unsure on that, even though the court has said you're out of time, my argument would be that you never received the claim form in the first place so were unable to file a defence, but this might be where getting it 'set aside' as opposed to it being 'stayed' differ?

http://www.courtroomadvice.co.uk/small-claims-court-defendant.html

[madmatt101]

Does that mean that they can unstay the case at any point in the future? Surely there has to be some sort of limit on how long a stayed claim can be resurrected?

[Bazooka Boo]

I would think there has to be yes, but I cannot find anything referring to the lifting of the stay and any time-limits imposed on the life of it.