DCA lifted interim CO now wants to reapply on new property

[DDhelp]

Hi all

I had two ccj debts with Aktiv Kapital which have now both passed the 6 year point.

 

Both had interim charging orders on my house.

 

I paid off one of about £3k and had the charging order removed.

 

They very kindly also sent me a receipt to show that the other debt was clear (which it wasn't)

 

I forwarded that to the court and had the other charging order removed.

 

I moved house a year ago and I am still paying £20 a month to Aktiv Kapital.

 

Any thoughts about what they could do if I stop these monthly payments?

 

The CCJ wasn't really settled although they gave me a receipt and I moved house.

 

I am tempted to let sleeping dogs lie but equally I wouldn't mind asking for a refund on the £20 that I have paid for the last 12 months.

 

I haven't heard anything from them and they don't have my new address yet.

 

How clued up are they?

[DDhelp]

Hi

 

I would be grateful for advice -

 

I have two certificates of satisfaction for PRA debts.

 

One they have a record of and the other they claim not to.

 

When I recently tried to stop payments on the one they claim not to have a record of they asked for proof of payment ie bank statement.

 

I don't have that as I think that it was arranged by my ex wife and there is no way that I am going to her for anything.

 

Surely the court would have sent them a copy originally?

 

Where do I stand on this?

I think that they owe me about £600 since I should have stopped paying this.

 

Thanks

Edited August 12, 2016 by DDhelp

[dx100uk]

you mean they got 2 CCJ's and you've paid the judgement sums?

 

 

dx

[dx100uk]

PRA are a fleecing dca

how come you never? defended the original claims?

[DDhelp]

Yes, one was discounted rate

[dx100uk]

Oh great

So ruddy obv they were fleecing you then

Why didn't you defend the claims?

[DDhelp]

Oh great

So ruddy obv they were fleecing you then

Why didn't you defend the claims?

 

Two HSBC overdrawn defaulted bank accounts there wasn't much to contest

[dx100uk]

Well something must have been up as they gave a discount

And I assume HSBC sold the debts on

Rather than crush you in court themselves

Wonder why that was.....

[renegadeimp]

Two HSBC overdrawn defaulted bank accounts there wasn't much to contest

 

The fact they were chock full of charges and prob unenforceable would have been a start

[DDhelp]

A DCA is chasing me for a debt that the court shows as settled (I have cert of satisfaction) and they lifted an interim CO. This dates back to 2013.

 

They now say that they can't find that payment was made.

I can't prove that I did as I don't have records from them.

 

What do I do?

I sold the property with the original order and now live in a new mortgaged home with wife who didn't know me at the time of the original debt.

 

Can anyone recommend a good solicitor to sort them out for me?

 

Thanks

[unclebulgaria67]

You don't need a Solicitor. Send them a copy of the cert of satisfaction as proof the debt was settled. By recorded delivery, with a covering letter and a copy of the letter they sent.

 

It is not your problem, if they can't find the payment.

[dx100uk]

pes i'd ignore them

they have zero legal powers anyway.

 

 

you haven't responded to them yet have you?

[DDhelp]

Thanks I have done that but they are saying that they won't go away until they can find the actual payment

[dx100uk]

who the dca is this your old PRA one?

[DDhelp]

Yes

[DDhelp]

I couldn't - bank overdraft

[dx100uk]

threads merged.

 

so you've continued pointless letter tennis with them?

if the debt has already been litigated on

then they cant have 2 bites of the same cherry.

 

i'd be ignoring them

 

what are you frightened of?

[DDhelp]

I need them to go away once and for all as its affecting my relationship

[dx100uk]

then you should have been ignoring them since 2015.

 

 

why did you continue to pay them after 2015 when they sent you a receipt that it was already paid off?

[renegadeimp]

Its threads like that make me sad. WE told the OP the best way to deal with it, but was sadly ignored. THe DCA then started fleecing the hell out of him, even affecting the OP's relationship

[AndyOrch]

They cant simply reapply to put a charge on your new property for a CCJ thats been satisfied...the Interim CO has been cleared...ignore them.

 

Andy