OD & card merged, MKDP CCJ, now robbresway

[timeforredress]

Quite a long story but would really appreciate advice.

 

First Direct card and overdraft debt from 2011 both of which defaulted and were sold to Metroplitan Credit services, then Sigma then MKDP.

 

MKDP obtained a CCJ for the outstanding balance of £7300.

I reached an agreement with them to pay £100 per month when they took me to court. 2014.

 

I have continued to pay £100 each month

 

recently I was informed by MKDP that they had sold the debt to Robinson Way / Hoist.

I continued to make payments and now have been asked to transfer the payments to Robinsons Way balance stands at £5700.

 

This CCJ is the last debt I have outstanding and I have cleared virtually everything off my credit file over the past 6 months

thanks to lots of help from reading posts on these sites.

 

I have been informed by Robinson way that their solicitors will be changing the entry on my credit file for the CCj to reflect them as new owners.

 

Is there any way I can get this thing removed and move on from what was a very difficult period.

 

Thanks in advance for any advice

[renegadeimp]

You need to check if they have been named on the CCj, Not credit file. If they're not named on the actual ccj, then you pay them nothing.

 

By the way, it very much looks like you're being cash cowed.

[citizenB]

Unfortunately no, reporting will stay on your file for 6 years from the date it was awarded against you.

 

Did you reclaim any charges and was there any missold PPI on the original debt that you might be able to reclaim ?

[Bazooka Boo]

If they fail to go back to court and have the case transferred over to them legally, then what they are attempting to do is contempt of court, and you need to make the issuing court aware of this urgently.

 

DO NOT pay anyone other than the outfit that was awarded the CCJ.

[timeforredress]

Thanks

I don't really understand how I can stop being cash cowed with a CCJ against me

I tried to get charges reduced by First direct went to FOS they found for them and no record of PPI

[renegadeimp]

You got cash cowed because you let the dca get a ccj. You also are considering paying the new dca even though they likely haven't bothered to get the CCj transferred to their name.

 

The fact the original dca has sold the debt on instead of getting enforcement orders is telling enough. It's as if the dca has sold it on and said "here, this guy is coughing up without question. Want some easy cash off him"

[dx100uk]

robbersway [HPH2 ltd] are MKDP

so theres no change ofclaimant.

 

 

dx

[dx100uk]

its a shame you let HSBC get away with merging the debts into a managed loan?

which I suspect they did?

[Bazooka Boo]

Cash cowing is just a term used when they've not been forced to jump through all of the legal hoops required in order to warrant payments, most of these debts are easily put to bed way before a CCJ is granted.

 

A question I forgot to ask previously is, have they got two CCJ's against you, one for each account?

 

An overdraft and a CC come under two completely separate parts of the CCA, and cannot be ''lumped'' together to form 'one' debt?

[renegadeimp]

If the debt was legally sold dx.then the claimant has to be substituted even if the same owner. Even Cabot know that with their half dozen.companies obfuscating things

[dx100uk]

not worth the op willy waving over.

 

might be better to get an sar off to HSBC and get all the statements

bett theres loads to be reclaimed here.

 

the met were HSBC internal dca

then sigma red/hl legal

then MDDP got it and got the CCJ.

 

its a typical trick to obsure the merging of the non cca & CCA debts

and get away with the claim.

 

need the full history from the OP

to see if anything really can be done

but willy waving over a change of ownership of the debt/ccj within a group and hoist has purchased MDKP debts

is not really worth it

 

dx

[citizenB]

You cannot and should not cease making payments toward the CCJ.

[timeforredress]

Hi DX

I got all the statements from HSBC for the overdraft and took these to FOS and they felt the charges were fair and reasonable.

I have not got that with the CC.

 

From a CCJ perspective I am continuing to pay but if they have not changed ownership of CCJ with the court in say 6 weeks do I have options

[renegadeimp]

Did you escalate the decision to.the ombudsman

[timeforredress]

Escalated to Ombudsman who agreed with adjudicator.

[Bazooka Boo]

Escalated to Ombudsman who agreed with adjudicator.

 

Hand in glove, proof that they're not working for the consumer once again!