ccj and loan trying to clear

[2makeit]

i have debt with a few credit agencies who have taken over the original debt from

banks/credit card companies.

 

i took credit in approx 2005, but now making token payments towards them.

i know it will take years if it continues like this.

what can i offer the agencies to partially clear this debt?

is there a minimum they would accept?

how long do the agencies hold the debt for before selling it on to another firm?

[dx100uk]

firsly you need to gather ifo

 

check all your debt SHOW on your CRa file [see below]

 

then look at firing off a few CCA request [where relevant]

to see if whom you pay is LEGALLY entitled to take money from you

 

don't forget PPI &/or PENALTY charges reclaiming too.

 

can you please list your debts

and who you currently pay to please.

 

dx

[2makeit]

Capital One- credit card - token payment

Apex- old Clydesdale current account, now Austrailia Bank - token payment

Arrow Global/Fredrickson International - EGG credit Card - token payment

DWF - Tesco loan (have CCJ against house) - token payment

 

what is CCA request?

not sure about PPI with these debts? as didn't think i would be legible for reclaiming as just paying token payments.

[dx100uk]

you most certainly can reclaim

 

cca request

 

you indicate these debts are many years old

and many years in previous payment.

 

barring the apex one [bank accounts are not generally covered by the cca]

 

i'd send arrows/freddies a cca request

and

Capital one

[sequenci]

Hello there.

 

How much is owing in total?

Are you working?

Are you in rented or mortgaged accomodation?

[2makeit]

some of my credit history-

egg loan taken out 2005 now with nco europe which im paying token payment,

tesco loan taken out 2005, had ccj against house 2008, now shoosmith are dealing with my token payment,

 

a few questions-

 

how long does a ccj last? can it be removed?

can a reduced amount be offered to clear the debt or does it have to be the full amount?

 

 

what is the usual percentage credit agencies would accept to clear my debt?

since taking the loans out several years ago,

 

i do not have an income or benfefits(stopped a while ago), so rely on friend/family

 

any help is appreciated

thanks

Edited December 2, 2015 by 2makeit

[dx100uk]

CCJ falls off after 6yrs paid or not

why did yo never contest the claim?

are you saying you have a charging order against your home

on this too

a CCJ is against a person not a property

 

 

why are you paying a fleecing DCA?

NCO Europe died years ago

and was amalgamated into one of the large dca groups.

 

 

who is NCO's client on their letters?

 

 

a DCA is NOT A BAILIFF

and has

NO SUCH LEGAL POWERS.

 

 

dx

[2makeit]

it was suppopsed to be a charging order against my property,

but not sure as the letter states-

"1-the judgement debt be varied to that it be payable forthwith,

2-there be no enforcement of the judgemtn save by application for a charging order without prior leave of the court"

 

can this be checked if there is anything on my name and property?

 

nco has Arrow account number who tried getting money before,

[2makeit]

just found out

ccj granted 2012,

charging order obtained 2013

[dx100uk]

and you knew nothing about the CCJ nor the charging order at all being taken out..

ie you'd moved and never updated your address to your creditors?

 

 

as for NCO, so arrows now own the debt

and you've simply been blindly paying them for years?

 

 

pers I'd get a CCA request off to NCO

 

 

dx

[dx100uk]

old and new threads merged.

please re read from the top

 

 

so you never progressed this when here two 2yrs ago?

and advised to do the same things?