Jump to content

 

BankFodder BankFodder


the_eighties

chasing CCJ less than 6 years - England

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1496 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

Hello,

I am sure there is already plenty advice about this but I can't find a case very similar to mine so appreciate if anyone can help me...

 

Robinson way are chasing me for a very old HSBC debt of £1761.25.

It is not on my credit report at all, and is around 10-15 years old

so I sent them a prove it/statute barred letter.

 

They replied saying they didn't need to prove it and it wasn't statute barred as I last paid £2.80 on 30/11/07,

and that a CCJ was obtained on 08/12/10.

They said they got this info from the original creditor.

 

I do not remember this payment and there is no CCJ showing on my credit report.

 

They did not provide any evidence of the above and said they will suspend my account for 14 days

while I make payment arrangements (which I am certainly not going to do)

 

I am concerned as they say this CCJ was gained less than 6 years ago,

can they enforce it? Or can I delay them somehow?

 

Up to now they have only sent letters offering massive discount and a 'reconnection' visit from a doorstep officer,

which makes me think they don't have a leg to stand on as if they could get court/bailiffs surely they would have done that by now.

 

What should I do now?

 

Thank you and merry Christmas peeps! :)

Any and all advice greatly appreciated.

Share this post


Link to post
Share on other sites
Trust Online and £4 later.. Youll know

 

Thanks fkofilee

I had a brief look at trust online - it only asks for one address to search, however I had about ten different addresses back then and no idea which one the CCJ might have been registered under as I never received any notification at the time. Would I have to pay £4 for each address?

Share this post


Link to post
Share on other sites

You have the date of the ccj and your name, try ringing northampton courts, they may be able to shed some light on it.

Have you checked your credit file with all the cra's?


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

Share this post


Link to post
Share on other sites

who got the CCJ?

the claimant was?

 

 

dx


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

 

Share this post


Link to post
Share on other sites
You have the date of the ccj and your name, try ringing northampton courts, they may be able to shed some light on it.

Have you checked your credit file with all the cra's?

 

Hello Martin2006, I have checked with noddle, equifax and experian and callcredit, they're all clean nothing showing - in fact very good credit report at the moment.

Share this post


Link to post
Share on other sites
who got the CCJ?

the claimant was

 

dx

 

Hello,

 

The letter says

"we have been previously advised by the original creditor that a payment was made by yourself on 30th november 2007 for £2.80.

A county court judgement was obtained on 8th december 2010. "

 

it does not say who exactly but the letter is entitled RE: HPH Ltd (ex HSBC) so culd be either HSBC or HPH?

Share this post


Link to post
Share on other sites

I doubt either.

 

 

you need a copy of the CCJ

I suspect you knew nothing about the CCJ?

 

 

if so and you have the CCJ number

give northants bulk a ring and ask them for a copy

 

 

in the meantime.

ignore the fleecing DCA

 

 

dx


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

 

Share this post


Link to post
Share on other sites

as a side issue...

this doesn't sound correct..

 

They replied saying they didn't need to prove it and it wasn't statute barred as I last paid £2.80 on 30/11/07,

and that a CCJ was obtained on 08/12/10.

They said they got this info from the original creditor.

 

can you scan up the letter you got please to PDF

 

follow the upload

 

 

just doesn't ring true with

 

 

Up to now they have only sent letters offering massive discount and a 'reconnection' visit from a doorstep officer,

which makes me think they don't have a leg to stand on as if they could get court/bailiffs surely they would have done that by now.

 

 

if they knew there was a CCJ in their name then they'd have enforced it years ago..

not offered a discount nor sent silly letters

someone is pulling your plonker here.

 

 

dx


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

 

Share this post


Link to post
Share on other sites

Hello,

 

Yes I am of the same opinion that they are trolling me for money and don't have a leg to stand on

otherwise they would have taken some actual legal action by now

(I have been at this address for 5 years and they have been sending me letters for years which I have always ignored)

 

 

The letter has at least four spelling mistakes in it which makes me think whoever wrote it was an idiot.

 

 

I don't have a scanner nearby right now but will do it tomorrow.

 

Thanks :)

Share this post


Link to post
Share on other sites

Hello again, sorry didn't get back sooner, xmas/illness!

 

Here is the letter from rob way, would be interested to know what you think...

 

I haven't responded back to them but they have called my mums house today

and my mum is stressing out about it. My dad just took their number.

 

Is there some way I can stop them calling or visiting the house?

I am currently staying here but its not my house/phoneline.

 

Thanks in advance.

rob way letter.pdf

Share this post


Link to post
Share on other sites
as a side issue...

this doesn't sound correct..

 

They replied saying they didn't need to prove it and it wasn't statute barred as I last paid £2.80 on 30/11/07,

and that a CCJ was obtained on 08/12/10.

They said they got this info from the original creditor.

 

can you scan up the letter you got please to PDF

 

follow the upload

 

 

just doesn't ring true with

 

 

Up to now they have only sent letters offering massive discount and a 'reconnection' visit from a doorstep officer,

which makes me think they don't have a leg to stand on as if they could get court/bailiffs surely they would have done that by now.

 

 

if they knew there was a CCJ in their name then they'd have enforced it years ago..

not offered a discount nor sent silly letters

someone is pulling your plonker here.

 

 

dx

 

FAO dx100uk :) letter scanned above

Share this post


Link to post
Share on other sites

They've still not provided any evidence to back their assertion.

 

I'd have asked them for documentary evidence of the CCJ, and evidence that the judgment shows that payment is to be made to them rather than the OC, absent which (if a ccj exists), they can swivel.

Share this post


Link to post
Share on other sites
They've still not provided any evidence to back their assertion.

 

I'd have asked them for documentary evidence of the CCJ, and evidence that the judgment shows that payment is to be made to them rather than the OC, absent which (if a ccj exists), they can swivel.

 

OK I shall do that. Thanks. Do you think I should send them the don't call/don't visit letters to stop them harassing my parents landline?

Share this post


Link to post
Share on other sites

sadly sending letters to them to cease this and that only invites letter tennis

and will have no effect.

 

they cleverly and I think quite on purpose don't say who got the CCJ

they certainly don't say it was them nor that they have had the judgement changed to their name

neither that they can invoke the enforcement powers of the CCJ

 

it would most certainly NEVER be them that could enforce it themselves

it would be court or high court bailiffs that would do that

and only on instruction of the name claimant.

 

its pretty obvious that they are not the claimant nor that they have had themselves

been substituted as ... that's why they've offered a discount.

 

if you simply sent the two std letters from our library them

i'd sit on your hands

 

if you adapted them, let us know

incase you added something untoward.

 

if your parents get worried

point them at this thread.

 

what could robbers way do

if they are not the claimant....

..bottom line is not a lot

unless they get themselves substituted as the claimant

the CCJ is within 6yrs

they could.

 

pers id sit on your hands.

 

IF you need to do anything

i'd sent them a CCA request.

 

even though their letter says quite rightly

the CCJ 'trumps' any need of proof.

it doesn't negate their need if they are NOT the named claimant to hold such docs

 

dx


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

 

Share this post


Link to post
Share on other sites

Hello,

 

I've attached the letter I sent,

it was a standard limitation/statute barred one from another advice site.

 

 

I am happy to engage in letter tennis if it will prevent a doorstep visit,

my mum suffers from anxiety/depression and it will make her ill.

 

 

I have zero intention of paying them anything and the CCJ whether it exists or not is not on my credit report

so doesn't affect my life at the moment, and as you said very little chance they can enforce anyway.

 

I am not concerned if they call me or send me letters,

I just want to avoid a doorstepper coming round mums,

 

 

do you think its possible by sending those letters?

Thanks

my letter 031215.pdf

Share this post


Link to post
Share on other sites

it wont matter what you do.

in E&W they are entitled to ask for payment

you are entitled to ask them to go away.

 

 

doorsteppers from a no powers dca are extremely rare.

BUT if you let on its a weapon you don't want happening because of XYZ

they'll use that weapon against you

STOP all comms

 

 

dx


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

 

Share this post


Link to post
Share on other sites
it wont matter what you do.

in E&W they are entitled to ask for payment

you are entitled to ask them to go away.

 

 

doorsteppers from a no powers dca are extremely rare.

BUT if you let on its a weapon you don't want happening because of XYZ

they'll use that weapon against you

STOP all comms

 

 

dx

 

OK I see your point. Thanks for the advice I will carry on ignoring them :)

Share this post


Link to post
Share on other sites

Robbers Way, what a joke!

 

I really don't know why anyone gives these outfits the time of day anymore, they all act with near impunity and well outside of their remit, just make complaints to those who claim to police this corrupt industry, you have to laugh at their ''thorough'' investigation, give me a break, you just pressed a button on your speak and spell and investigated nothing!


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

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...