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    • Just what to ensure i submit correctly      1 The Claimant's claim was issued on (insert date). Question is this the date the loan was taken out    2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £521.50 or any other sum, or relief of any kind is denied.
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Hello

 

Im not even sure where to start.

 

But a year ago me and my boyfriend tried to rent a house and he was declined

because they said when they run the credit checks he had a CCJ.

 

This was done with Experian.

He was not aware.

He knew he had some arrears with housing benefit but he thought all was sorted.

 

For the last couple of months I start nagging him to try and get his stuff sorted out.

 

We contacted DMC who sent us to another DMC and said our way out would be an IVA.

 

When we got the IVA draft I saw several companies that my boyfriend owed

and because I had no papers of anything I decided to get some letters out

and ask for loan agreements and even check for PPI myself.

 

One of them already sent us a letter saying that his debt has been cleared and he owes them no money.

 

Other for a Barclays credit card debt that has been taken with another DMC

has said they could not find him in the system.

 

Although when I contacted Barclays PPI they said he was still a client there.

So unsure he owns them money or not.

 

Now the last one in this draft is the CCJ.

That is two companies claiming he has this CCJ.

 

But because I am a bit afraid of contacting the court and get bailiffs in the house I am renting,

I run a credit check of him on Experian myself.

 

I have input all his data and addresses that go back to 2008

and he has checked this and there are no typos or mistakes.

 

He is also registered to vote at my/our address (he is paying all his bills and his current accounts all have this address)

 

Voila He actually has a good score but none of the debts or CCJ I described above are in there.

 

There are credit cards and all but it is all accounts he is paying and although at high interest he seems to be ok in this check.

 

I decided to check Trust Online as well.

Paid £8 for the England and Wales orders & judgements

and also England and Wales Fine Defaults.

He came back clean!

There is nothing in there too.

 

My question on this is

 

Should I have put the address from when we think he had his CCJ in this Trust online website?

I input his current address which is the house we are renting. was this a mistake?

 

All the addresses in question at the time of his CCJ are in Experian thought and nothing points out.

I havent used his middle name on Trust online because it didnt ask but used on Experian. Should I?

 

I have been reading some of your posts and it seems these companies find a way to put old debts in.

I contacted the guys who drafted the IVA to clear that account.

But they keep nagging us to sign into this.

 

But I have my doubts and I am trying to get as much information as I can on everything.

And until I am sure he has this CCJ I am not going to tell him to sign anything.

 

I was the one asking him to try and sort this out, but now I am afraid that if he signs the IVA will be worst.

 

THe Experian I run seems legit.

Has all of his info so why no CCJ.

And why no CCJ on his register?

 

Should I actually be celebrating because I can get a proper mortgage, get married, have kids?

 

Or should I go and try and contact the court risking the fact they can realize they havent chased him and they will start now?

 

Can you please let me know your thoughts on this?

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try looking at his report on clearscore and noddle, both free

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I should go ahead and contact the courts. I don't think there's anything to worry about and you seem to have been very thorough.

 

I think that you are right not to sign anything until you are absolutely certain – and even then probably don't sign anything anyway.

 

Resist the IVA. All they want is their commission.

 

By the way, be aware that when you interrogate Experian and you put in your new address, that new address then is added to the record. They shouldn't do because they don't ask for permission to use your personal data that way – but they do


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I thought Experian is one of the best. DO I need to run checks on all of these companies?

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noddle is part of callcredit a totally dif CRA and i think clearscore is a standalone CRA - worthwhile seeing whats on them also

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By the way, be aware that when you interrogate Experian and you put in your new address, that new address then is added to the record. They shouldn't do because they don't ask for permission to use your personal data that way – but they do

 

Thanks for your reply.

I have not made any inquiries. I just run a check.

 

Do you think whoever might start chasing us?

Even when we run a credit check and it describes my boyfriend with no problems and with a good score?

 

If he had indeed anything I would have preferred if I had run a check and it would be there,

but right now I am confused as hell and my boyfriend is hopeless

he never kept papers on anything so I really cant check anything..

. And I never trusted these guys.

 

They are doing their jobs and they are paid to get our money.

Unsure really what to do next.

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dump the IVA not needed

and all you'll do is line their pockets

 

as for the CCJ..do you have number?

if you do

go ring northants bulk and ask for a copy of it.

 

then comeback here..

 

as for his debts and the IVA

can you list them please?

 

you say you have CCA request running already?

 

dx


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Thanks for your reply!

Im really not thinking of going with the IVA.

I do not have anything regarding the CCJ.

There is no number on the draft just address.

I have not sent letters to Barclays yet.

Only the company that took over this Barclays debt and they said he is not in their system.

 

His debts:

Vanquis credit card

Capital One credit card

Lowell - we got a letter from them saying he owes them no money anymore so no debt

Barclays card (he was not aware of this)

CCJ (he was not aware of this)

 

Advance Finance - his car

Amigo Loans - with a guarantor

 

I have asked for loan agreements and have got them with the exception of the Barclays and the CCJ.

 

He is paying for all of these with exception for Barclays and the CCJ.

And the ones I am focusing on are these two now.

And Im on the process to write letters to the court and ask for more information.

 

Is Trust Online the real register for CCJ?

Can I check a different one?

Should I have used a previous address when checking?

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I suggest the CCJ will be registered against the address he was at when he took the finance out.

 

Advance finance - blimey and no insurance and charges to reclaim?

advance tend to fleece people blind like welcome did

50% of any debt is normally ppi/gap/warranty etc etc


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Yes, Trustonline is the correct place to see if there is a CCJ against someone - although I think you do need the address from the time when it was awarded.


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Thank you so much for your replies.

They led me in the right direction.

 

I went on Noodle and this credit check came saying he has indeed a CCJ.

Using trust online with the address from ccj in the process on noodle that says the ccj is there.

 

My question now is

they have all the updated addresses on credit check

and he is registered to vote

so they have his new address but they haven't bothered to chase this up.

 

The ccj dates from 2013

I'm Wondering whether to leave things like this and wait for 2019

or get him to sign into an iva and sort this for good only on 2021?

 

Funny enough his supposed Barclay card debt did not show up on either checks I've made.

So apart from the ccj he is doing fine

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I would not go down the IVA route for such a small amount of liable debt.

plus you are lining their pockets too.

 

now you have the CCJ number

phone northant bulk

and get a copy of the CCj sent to you.

 

as for the address issue.

it is quite legal for them get the CCJ against an old address

if YOU did not inform your creditors of a change of address.


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Do we have to inform them of his new address?

 

I mean he never had letters from them.

 

We couldnt even find out the number for his CCJ.

 

Now should we get a copy and inform them of this address?

 

Can they figure it out he has a new address by being registered in the electoral roll?

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Do not go down the IVA route - if your BF's debts are under £20,000 then he could consider a Debt Relief Order. Have a word with National Debtline

 

https://www.nationaldebtline.org/EW/factsheets/Pages/debtrelieforders/droadvice.aspx

 

There is a free helpline that you can use

 

 

Call us for free

debt advice on

0808 808 4000

 

Monday to Friday

9am to 8pm

Saturday 9.30am to 1pm


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Uploading documents to CAG ** Instructions **

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Before you do anything though, as already advised you should obtain a copy of the Judgment and see what it says.


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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Do we have to inform them of his new address? I mean he never had letters from them.

We couldnt even find out the number for his CCJ.

 

Now should we get a copy and inform them of this address?

 

Can they figure it out he has a new address by being registered in the electoral roll?

 

 

obv this does not apply to the CCJ

but what about the other debts

do the creditors know where he is now?


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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The only people who are not aware of his new address is the CCJ.

 

All of his credit cards and loans have his address updated and everything is being paid up to date.

 

He has no arrears, no late payments, just a stupid high interest in his both credit cards but he is paying them.

 

He been doing over time everyday and working saturday and sundays.

He is definitely trying and although he is very laid back and might not be capable of working this out

Im wasting my time trying to help him out.

 

He owes total around £10,000. His CCJ is around £1500

 

We were told because of his CCJ he had to go through an IVA.

You think he can go through an DRO?

THat is helpful!

Will look into that!

 

Made some letters and will send them to court regarding his CCJ.

Do I have to send them to county as well where we think this debt comes from?

And I have seen a form where I could apply to try and pay less money for the CCJ

since he cant pay it in one off but unsure if you can use it only during that first month before it goes in your record?

 

What you said about Advance Finance

we asked for the loan agreement but we seen he is not checked into any form of insurance.

Do you still think it would be worth it to send them that PPI letter?

 

Thanks for all of your tips guys!

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i'd slowdown a bit

 

get a CCA request running to each creditor

 

as for the variation order on the CCJ?

is that what you are after, you are paying to much every month and its a problem?

get a copy of the CCJ from northants first mind

 

you might find some of his other debts might well not be enforceable

and release funds to pay this.


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I have already sent a CCA to each one of them.

Thats when one of the creditors cleared one of his debt (Lowell).

 

And another said he wasn't on the system and it is not showing up on Noddle and Experian so we are not worried with this one (Barclay Card).

 

All the others he is owing money to them (Amigo, Advance Finance, Vanquis and Capital One) and he is paying them monthly.

 

The only thing I could not send a letter to was the CCJ.

Now I have a number so I can ask about it.

We never made payments into the CCJ, and he is owing 1500 so far that I know of.

It is what is written in the trust online register.

 

But I have read online about the form N245 where you could apply to a reduction in the installment order.

 

Bear in mind I am not even English and understand nothing of CCJs

and any of the bureaucracies I dealt with was through googling

and checking money saving experts and all the websites I could read and learn about debt in UK.

Unsure I could try and apply for it and see if he does not have to pay so much into this CCJ.

 

How can I tell if his debts are not enforceable?

 

Amigo sent a letter saying my BF has no PPI with them.

 

Vanquis and Capital One were applied for on internet.

They sent their loan agreements but there are no ticks for insurance payments.

 

As for Advance Finance where it has the square to tick for insurance payments

none is filled so I take he has no PPI to receive from them.

 

I can try and send that PPI template to each one and try our luck.

Was thinking the same for Lowell but my BF said I was getting too greedy,

but for them to not even sending the loan agreement,

and sending a letter saying your account was cancelled.

You owe us no more money.

 

I though this smells and there might be some money for him to get back...

but since he cleared the debt he stopped worrying about it.

And I might be getting greedy...

 

This is a mess and Im trying my best but Im no finantial adviser and hate numbers too.

And thats why I keep my finances in check!

I worry more than he does I reckon.

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ah that's better good.

 

so everything is in hand

 

so on the debts he is paying,

they appears enforceable because they are post apr 2007 and electronic sign up..good.

 

carry on paying nothing to say you cant reduce payments mind

 

I assume you are doing this yourself not via any dmp providers

 

no ppi so ignore that front too.

 

as for the ccj

if he has paid nowt and never been chased to pay anything

 

pers id be keeping your head down..!!

no need to do anything there either


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I see.

Yes thats what I thought.

They all are enforceable.

 

We are not using any DMP provider at the moment. Or PPI companies either.

 

You reckon I could keep my head down unless they realize it and start chasing us?

Then what do you recommend to do?

 

And as for that Barclayscard under a dmp provider.

No one has chased us and they are not showing up in Experian or Noddle

only showed up on the IVA draft Knightsbridge sent us with the address for the dmp Watch portfolio.

 

 

And when I contacted the Watch portfolio they said my BF was not on their system.

So Im not sure what to do with them either?

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let em all run for now

 

keep quiet and see what gives.

 

so..

why not - on the debts he IS paying-

 

start a thread for each one in the named forum of the original creditor off the top main forum tab

then p'haps SAR each one

and look for Penalty charges etc.

as I assume you don't have all the statements for each debt yet?

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Ok What is this SAR?

 

And you say to look into this forum for what they say about each creditor?

 

He gets his paper statements each month for the credit cards but he bins them!!!

I want to kill him sometimes.

 

He gets a I think a quarterly statement from Amigo

but I think I managed to save that one from the bin lol

 

We dont have statements for Advance Finance.

Only the loan agreement.

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go start a thread for each of he debts he is paying

so each debt has its own thread.

 

it best to start the thread in the correct forum for each debt

that will be under the name of the original creditors forum.

 

look top left

you'll see main forum tab.

click that

scroll down..

 

find the relevant bank name

click it

click the post a new thread button.

 

off you go

 

do that for each debt he is paying.

 

as for the SAR

that will get you everything they hold on him

inc all statements

ok it costs £10 but its worth it i'm sure.

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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