Blackhorse CCJ on car debt.

[boxbox123]

the attachment is complete but can u see it

paymentscar7.pdf

[dx100uk]

yep there you go

you're no so useless on a PC as you think.

[dx100uk]

not what I thought

thought it was penalty charges reclaim.

 

 

NOT your bank statements

but have you all the Blackhorse loan statement

and a copy of the agreement?

 

 

can you scan those up please.

 

 

dx

[boxbox123]

this is the first one i did but as u can see there are a few errors

 

 

the payment 77 i only added the monies i had bank statements for

in payment 55 i have enclosed all

 

 

i can not get any more statement because they only go back 6 years

paymentcar55.pdf

[dx100uk]

blimey you are a wizard

on seen a spreadsheet like that for a good few years [was a ms office teacher from day one and first choice before that - 30yrs]

 

 

but sorry to go back to basic and make me focus

have you the original Blackhorse statements to prove all this?

 

 

dx

[boxbox123]

only just learnt off utube last November 2014 due of desperation of putting figures together

[boxbox123]

i have attached the document the 2 false agreement

agreement and costs1.pdf

agreement and cost2.pdf

[boxbox123]

help has any one read through my messages i got a message is to short --but do not which one it talking about

:|

Edited January 13, 2016 by boxbox123
selling

[honeybee13]

Hello there.

 

I get that message if I reply with quote to another post and then don't add any text of my own. Could that be it?

 

HB

[dx100uk]

simply means you tried to post a msg of less that 2 characters

 

 

those attachments have pers details showing

I have removed them for redaction...wait.

 

 

dx

[dx100uk]

its far too much to redact

I've put them back up

 

 

dx

[boxbox123]

what do i have to do ? do i put another set up or do? do have take them down? ???

[dx100uk]

up to you

if you want ref numbers etc in the open forum that could be used to identify you

then leave as is.

if they are part of your arguments then you need too

if not you need to remove them and any reg numbers vin numbers etc etc.

 

 

it might help

 

 

if you simply and briefly say using a bullet point list

outline what your argument is.

 

 

dx

[boxbox123]

i want help with preparing to get this judgment set aside ie wording extra

how to claim back over payment plus help getting the interest charge drop

and conformation of false contract. where do i start?

[boxbox123]

mostly i need help in responding to their p o c

[dx100uk]

the CCJ is from 2011 no?

 

so there nothing to respond too the judgement is done and dusted.

 

set aside this far down the line would be pretty rare.

 

on its 6th birthday the CCJ will drop off you credit file anyway.

 

you need to look at reclaiming now to get some money back

to offset against what you are paying for the judgement .

 

which was?

 

have we a copy of the CCJ on here yet?

[boxbox123]

ok how do i take down the information please

 

 

does this mean they will come after me for money later on

what does the future hold if l let thins lie

Edited January 14, 2016 by boxbox123
wording

[dx100uk]

attachments unapproved for you..

 

 

have you a copy of the CCJ please?

 

 

you have several £1000's in charges to reclaim I can see

collection fees

[boxbox123]

i have not seen the ccj

 

it on just on my credit file

 

i have got P O Claim is that it

 

how do i a reclaim of interest

 

will look through papers do not know what am looking for

 

ok thanks

Edited January 14, 2016 by boxbox123
missed out word

[dx100uk]

whats a P O claim?

 

 

what did the judge order you to do payment wise..

 

 

dx

[BazzaS]

whats a P O claim?

 

dx

 

I suspect they mean "particulars of claim"

 

But, if this relates to a CCJ granted some time ago :

 

OP, the particulars of claim are way earlier in the process by which a CCJ was granted against you. They aren't much use now on their own, while the CCJ stands.

 

As the CCJ was granted, your option would be to seek a 'set aside'.

 

There are 2 main aspects that need to be satisfied for a set aside

1) it must be both fair and just

2) that you have a reasonable prospect of defending the claim if it is set aside (as the set aside means the claim gets reheard, not extinguished). It is only if you reach this hurdle that the particulars of claim come into play.

 

As others have noted: given the time elapsed a set aside would be unlikely (unless you have only just become aware of the CCJ : such as if they had deliberately sought it at the wrong address, and you could show you had informed them of the correct address).

This is so as to be fair to claimants, so defendants can't deliberately keep the prospect of a set aside hanging over claimants for many years.

 

What has caused the delay in you seeking to have the CCJ set aside?

[boxbox123]

long story- but i did not have the car - x partner had car due arguments over money and payment towards the car - he held the car as ransom - as i had the loge book- there was stand of -

 

he held on to the car - i ad the long book - so i just got with life - and brought another car

 

-now one big mess

ccj.pdf

[dx100uk]

right so in effect it was a return of goods order for the physical goods/car and the court fees for doing so

nothing to do with any outstanding balance.

[boxbox123]

it to do with both there was no out standing balance if you look at my bank payment there is not a further 1000 to be paid

they have got interest and the interest all together - if correct it would be 0ver 50,0000 paid for 17,00 0 car

 

it is about both

 

how to go forward

 

on top of the money paid they are claim a further 1000 and 350

[BazzaS]

long story- but i did not have the car - x partner had car due arguments over money and payment towards the car - he held the car as ransom - as i had the loge book- there was stand of -

 

he held on to the car - i ad the long book - so i just got with life - and brought another car

 

-now one big mess

 

So, you should have

a) paid the fees ordered

b) told them you didn't have the car (& told them where to find it / who had it)

 

I can't see how they have acted unlawfully, if you failed to comply with a court order and "stuck your head in the sand" rather than dealing with the fact you didn't have the car to hand over!