Jump to content

 

BankFodder BankFodder


style="text-align:center;"> Please note that this topic has not had any new posts for the last 1493 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 all

- I have an unusual situation with a CCJ.

 

 

We paid in full using our deposit as part of the payment.

The landlord is claiming that the deposit isn't whole anymore

but also said she made no deductions on the deposit.

 

 

Based on the lease, since she did not make any deductions,

the deposit is whole and the CCJ is completely satisfied.

 

 

SHe is trying to get extra money from us now and the court has been difficult in terms of providing a certificate of cancellation.

What can we do now?

 

 

We have proof of all payments in full well in advance of 30 days.

Not sure how to proceed.

 

 

We requested a certificate and the last response said we would need to petition to court for a formal a What pplication

but I don;t know what that means as we already sent in the formal application for cancellation.

 

 

So confusing!

What are we meant to do??

Edited by krispyf

Share this post


Link to post
Share on other sites

Hi krispyf and welcome to CAG

 

I think to enable any advice you are going to have to flesh the bones here a little more...details of your Tenancy and the court claim and the reasons and how much is involved.

 

Regards

 

Andy

 

Thread moved to the appropriate forum.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

What was the CCJ for and how much?

How does deposit enter the equation?

Share this post


Link to post
Share on other sites

HI all - thank you for helping!

 

We went to court against our landlord's claims and lost for a judgment of about £6600 (rounding to the nearest £ for easier math). Our deposit was £3,700 which we said she could keep and immediately transferred her the balance of the judgment the day after the hearing.

 

Our lease states: any deductions in the deposit must be proposed in writing - none were sent and we are due the full amount in return which can be used against the judgement.

 

She also admits that she did not make any deductions. We always admitted to her that we owed some money, however attempts to settle before the hearing were rejected. We originally asked the deposit scheme to hold £3,000 of the deposit pending the outcome of the dispute. The landlord says that because we didn't dispute all of the deposit, she gets to keep the balance £700.

 

However, we only offered that amount to her to settle the full debt which now after the hearing is £6,600. We have all bank transfer records and even her own emails stating that she did not deduct anything from the deposit but too bad for us. She also confirms that we sent the balance of the judgment immediately.

 

She seems to be trying to get more money from us to pay for some other fees that she forgot to ask for in the hearing but cannot confirm that. All we know are the facts for sure: we have a £3,700 deposit. The landlord did not send any formal deductions to us after we moved nor in the 8 months between move out and the hearing. Additionally, when asked she did not have any claims against the deposit to prove.

 

We are struggling to get information on how to proceed with requesting cancellation of the CCJ as, per our evidence, we believe the debt has been paid in full. The court said they only rely on the claimants statement, not evidence and if we wanted to take it further, we would have to petition the court however they wouldn't say how or what procedure we need to follow. After some research, it seems that we may be able to submit a general application for an Order to Set the Judgement aside for reason of full payment but I am not 100% sure. The support is rubbish for this situation - only help to collect judgements.

 

UPDATE: The landlord also agreed to use the deposit towards the judgement

Edited by Andyorch
Paragraphs

Share this post


Link to post
Share on other sites

if she forgot to ask for some of her costs TOUGH, she cant ask for them now. If you go for a set aside then it will cost a minimum of £155 but that is probably the wrong thing as you are after a certificate of satisfaction as a set aside would be about starting all over again and wouldnt consider the use of the deposit as partial payment of the court's order as being a reason for changing the judgement. The CCJ wont be cancelled just because you paid it but it shouldnt affect your credit rating if properly entered into the record and that is what you want.

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...