Finance U CCJ/CO - now paid by they want more interest?*** Resolved/ Refunded ***

[Michelle1973]

7 October 2004

[dx100uk]

so total up your payments

if you have paid £3345.00

you are done.

 

 

dx

[Michelle1973]

Yep we have paid that amount.....ooo the sods.... and ive already sent for the sar......shall i write them a letter telling them to sod off in a very polite way of course lol

[dx100uk]

or a copy of the court judgement.

 

 

suck on that mate.

 

 

contempt of court is next should i hear from you again.

[Michelle1973]

hahahah fab thank you for your help

[Michelle1973]

Morning! x

Just been through all of our payments since the judgement and we have overpaid by £694.02. Should I wait until we have the SAR back before sending them a letter?

[dx100uk]

as far as I am aware you should only be paying the forthwith judgement figure

i'e what the court/judge ordered.

 

 

i'll get someone to check me hang on

[Michelle1973]

Thank you Dx

[AndyOrch]

Morning! x

Just been through all of our payments since the judgement and we have overpaid by £694.02. Should I wait until we have the SAR back before sending them a letter?

 

How have you managed to overpay Michelle ?

 

Andy

[Michelle1973]

I have no clue to be honest Andy, their accounts over the years have been awful, so ive just been through my payments and checked their statement and we have definitely overpaid them by a good few hundred pounds

[Michelle1973]

*£894.02 has been overpaid, Sorry my typing mistake

[obiter dictum]

Quick question

 

Who is asking for this money, Finance u or a debt collection agency?

[Michelle1973]

Finance U

[obiter dictum]

Looks to me a request is needed to repay the overpayment . You have paid in excess of the judgement. If they fail to comply then you issue a letter before action then take the swines to the small claims court

 

Send them a letter with a copy of the judgement and how much you have paid in total. Then give them 14 days to repay. They took you to court so twist those gonads, slowly

 

Add 8% interest as well for good measure

[Michelle1973]

Shall i wait for the SAR to be returned to me as this was also requested last week along with a copy of the the CCJ from the courts (which ive obviously now had) or do I just hit them a a lovely letter?

[obiter dictum]

You have a copy of the judgement. It does not state they can claim post judgement interest, send that letter/demand, by recorded delivery

[Michelle1973]

fab will do that now... thank you for all of your help

[obiter dictum]

Try and itemise how much you have overpaid in your letter above the judgement amount, stops them dragging it out with the refund

[dx100uk]

and ofcourse you'll be hitting them with other reclaiming too I bet once you get the statements.

 

 

dx

[Michelle1973]

Obiter, I have a list of payments, along with cheque numbers and amounts so Ill make it as detailed as possible

Dx.....ooo sounds interesting

[dx100uk]

repo fees

letters/phone/arrears/late/debt collection..fees

all reclaimable

as are any insurances/warranties they made you take out?

[Michelle1973]

I cant remember Im sorry DX, will be an interesting read when Ive received the SAR back then

[Michelle1973]

Good afternoon,

 

Well i've just received all of the information after requesting the SAR....and it makes for interesting reading.

 

I have a new copy of their 'Statement of Account' which now reads that we owe nothing,

as of 15/07/2016 they have 'write-off to bad debt'.

 

 

Strange since their last statement to us in May which they reckon then that we owed them £925,

now its been written off........maybe something to do with the fact that we have overpaid?

 

I also have a copy of a Land Registry requesting Removal of Restriction..

. im not sure what I should be looking for on this mound of paperwork reagrding them charging interest x

[dx100uk]

they might have written it off

but that doesn't mean they wont sell it on.

 

you should be able to find all the penalty fees they have levied

[fixed sun like £25 arrears, letter, refused DD]

anything like that.

and the repo fee they charged at the time.

 

what about PPI/Insurances/warranties taken out when you signed the agreement

any of those.

[Michelle1973]

Thanks for replying... I shall read through it all tonight and see what it has to say