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    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject.   My original  CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  So at a loss as to why the sudden loss of response from them.   Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.  
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do i have to claim overdraft interest?


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Have decided to claim against the Woolwich for charges on my account.

 

First of all I requested a list of charges owed to me, which they sent and I have added up to be £1682. The last three charges that occured have since been refunded after ringing them and asking for a refund.

 

I have been reading the threads on the site and have the template for the preliminary letter ready to fill out. The only problem i have is with the overdraft interest. How do i work it out? is it 8% for all banks? i am claiming for the period 24/04/02 - 21/08/06. Do i have to claim it back?

 

I would be grateful for any help anyone can give me as I am nervous about this whole process and am dreading filling out the court papers!

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Hi Sjk

 

You dont have to claim it and i think, if the penalty charges are the cause of the overdraft then yes, but it is a bit 36_11_1.gif.

 

im sure someone could help if you needed it. If its £40/50 it may not be worth the hassle and just worth sticking with your Penalties and the interest attached to them. Its up to you.;-)

 

AL

 

 

 

 

 

 

sig.jsp?pc=ZSzeb112&pp=ZNxdm824JIGB

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Hi,

 

Thanks for the help and i won't claim for the overdraft interest. I am sending my preliminary letter, so do i need to add the 8% now and put it in the letter or wait till the claim goes to court and add it in in the court papers?

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When you send the preliminary letter (and LBA) You just claim back the charges. The 8% Statutory interest is added when you file the court claim.

 

Have a really good read of the FAQ (especially the step by step guide) before you start sending letters, if you get it wrong you could either delay your claim, or worse allow them to wriggle out of paying on a technicality!

 

FAQ here http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=92

 

There are templates for the letters here

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=33

 

Mat

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When you send the preliminary letter (and LBA) You just claim back the charges. The 8% Statutory interest is added when you file the court claim.

 

Have a really good read of the FAQ (especially the step by step guide) before you start sending letters, if you get it wrong you could either delay your claim, or worse allow them to wriggle out of paying on a technicality!

 

FAQ here http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=92

 

There are templates for the letters here

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=33

 

Mat

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