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Unknown 2013 Marlin/reston CCJ for Lloyds student OD - help please


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Hi All,

 

I have a debt with Llyods that was bought by Marlin Europe and was taken to court,

a CCJ was awarded in default because i didnt receive the paperwork, this all happened in 2013.

 

I have been making repayments at £10 a month agreed through the courts.

 

On a few occassions now marlin has taken me back to court for missed payments and i have had to suspend the warrant, it is my own fault i know.

 

I have missed a payment again which was due on the 11th this month

 

, i received a notice of warrant control from the courts and i have to pay £200,

 

i dont have this money,

 

is there anyway i can just pay the monthly repayment that was due?

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Variation order?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I doubt the court would redetermine agan it as you was initially on a monthly payment plan......I would speak to the judgment creditor and try to appeal to their better nature ......:|

 

Failing that apply for a stay of execution (n245)

 

Regards

 

Andy

We could do with some help from you.

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Hi All,

 

Thank you for your responses.

 

I have spoken with the creditor and they are not going to suspend the warrant.

 

 

I am filling in the N245 form and i have selected to suspend the warant and not reduce the payment.

 

 

Do i still need to complete the income and expenditure section?

If this does need completing will the court accept the application as i have applied to suspend the warrant a few times now?

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I would complete it in full otherwise the court will return it...you need to offer a reason and what action you propose to support the application to suspend the warrant..you cant just suspend it.

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

 

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Hi,

 

Do i need to state my reasons a seperate sheet?

 

I have already written my supporting evidence to suspend the warrant.

 

 

I have stated,

i have been late with payments in the past

however i have paid the required amount each month

and to the best of my knowledge i am not behind on repayments.

 

 

To ensure payments are made on time in future i plan to setup a direct debit.

Is this acceptable?

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Seems reasonable to me.

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

 

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  • 4 months later...

Hi,

 

Just reviewing my ccj for the above, it is due to fall off my credit file in 2019.

 

When the claim was issued i did not respond to the claim because i didnt receive the paperwork

only found out when i got the default judgement letter.

 

Do you think i would stand a chance of a set aside based on the fact i did not receive the paperwork?

 

I have been living at the same address for 30 years.

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what address was the claimform sent too?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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So what has happened re the N245 to stay the Warrant ?

 

Andy

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

 

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The ccj was sent to my current address,

my n245 was accepted

i have been paying the monthly payments since.

 

I never acknowledged the claim at the time,

i have been making payments since i received the default judgement letter.

 

The debt is currently being dealt with by restons solicitors

i have no idea if Marlin have a notice of assignment or any of the documents.

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The fact they might or might now have any paperwork is now somewhat immaterial

 

What was the type of credit?

When was the CCJ granted?

Have you a copy of the CCJ?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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It was a Lloyd's student account and i was given an overdraft.

 

The CCJ was granted in 2013,

i do not have a copy of the CCJ,

all i can remember is at the time i received a letter from the courts detailing the judgement.

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Ask the court for a copy of the claim form and the CCJ

 

Get an sar running to Lloyd's get all the statements

 

Tell us about all the dates you've been back to court

And why and what happened

The more of the story we have the better

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Hi,

 

An update on this,

i recently sent an SAR to Llyods, currently awaiting a response.

 

Just received a letter from restons solicitors who i make my monthly payments to for the CCJ.

 

They have requested i complete a income and expenditure form they have provided.

In the letter it states if i do not complete by the deadline given,

it may result in the arrangement being cancelled

and it will then be open for restons to advise their client to continue with any recovery options avialable including legal/enforcement action without further notice.

 

Do i have to complete the income and expenditure form?

 

Are restons correct in stating they can cancel the arrangement and enforce further legal action?

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depends what the judge ordered

what was it?

 

 

did you do as asked

phone northants bulk and get a copy of the Claimform and the CCJ sent by email PDF

 

 

we're shooting in the dark here till we have all the relevant info to not just 'guess'

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

If your paying what the court advised you to pay...and have not missed a payment and there are no arrears then you can reply to their letter telling them the same...and until the court advises otherwise you are not at liberty to complete any I&E

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 Topic please PM me a link to your thread

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  • 5 months later...

Hi,

 

Is a solictor legally required to update a credit file for repayments on a ccj?

 

I have been paying a small monthly payment towards my ccj for last 3 years and my credit file is still showing the original default balance.

 

I have one year left on my ccj before 6 years is up,

am i legally required to make payments after the 6 year date?

There is quite a large balance still left.

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
Hi,

 

Is a solictor legally required to update a credit file for repayments on a ccj?

 

I have been paying a small monthly payment towards my ccj for last 3 years and my credit file is still showing the original default balance.

 

I have one year left on my ccj before 6 years is up,

am i legally required to make payments after the 6 year date?

There is quite a large balance still left.

 

No

 

Your choice whether to stop payments...but they have other methods of enforcement if you do.

 

Andy

 

Thread title amended

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 Topic please PM me a link to your thread

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  • 3 years later...

Hi All,

 

I received a CCJ approx 10 years ago for a Lloyd's student account which I failed to repay on time.

At the time I received the CCJ papers I did not respond to the court letters and a result a judgement was granted.

 

Ever since I have been making repayments of £10 a month to Restons solicitors, I have on occasions made late payments but i have kept up date with any arrears, in the past when the CCJ was active I have been taken back to court by restons for late payments and additional charges have been added to the total amount as a result. The CCJ is no longer on my credit file and the balance owed is approx 2k.

 

In the last 3 months payments i have not made a payment to restons, i usually make payments via the restons online account where. Today I tried to login into the account and make a payment against the arrears but for some reason my login details are not recognised, I tried resetting my password where I am asked to confirm my account number with restons and date of birth but I get a account number not recognised message. I am assuming at this stage they have blocked me from making payments until I contact.

 

Restons have tried on a few occasions over the years to contact me to discuss completing an income and expenditure document to date I have not engaged in any communications with them and just made my repayments.

 

I just wanted to get some advice, in order for me to make repayments I will need to contact restons to reinstate my online account, do I have to complete their income and expenditure document?

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

merged

you sent an N245 to set the payments at £10PCN, they can do nothing to charge that without returning to court

simply ignore their demands.

 

as for payments

as long as you've not moved then simply put the payments to one side for now and screen shot the login refusal.

it might well be they are handing this over to another fleecer to gander payments.

 

as it was a student OD, i will guess alot of the balance was unlawful penalties and the interest they attracted anyway, but as it's probably? more than 10yrs ago opening theres not much you can now do.

 

see who pulls your chain.

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you.

 

When I try reset my password, I do get an email from restons with my account number and a new password, but when I try to use the details I get a message 'no account has been found based on the information provided'. Seems odd 

 

I have followed your advice and taken screen shots, thank you for your help with this.

 

In regards to the debt and a full and final settlement, would £500 considered reasonable on a 2k debt?

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