Full and Final Advice

[Demonbarb]

Hi,

a few years back my wife and I got in the mire due to several things.

 

 

With my debt, I cca'd each credit card company and I put each account into dispute as the agreements either never arrived or the ones that did were unenforceable.

 

 

I had a few threats down the line but never replied or acknowledged them and my debts are now statute barred as its 7/8 years since I last made a payment/acknowledged.

 

My wife, however had to default on her cards at a later date and after the unenforceabilty claims market collapsed, although I understand they may still be unenforceable.

 

 

With her debts we made arrangements to cease interest and charges and make nominal monthly repayments.

 

 

Her debts are as follows all with no PPI;

£11900 DLC (Formerly VirginMBNA), this one was cca'd but a barrister said it was enforceable,

we pay £25 a month on this.

 

 

£4100 Robinson Way (Newday) £20 a month, never cca'd but after 2007 I think,

 

 

Fredrickson (Capital one) £5100 £50pm never ccad but again I think it was after 2007 and

 

 

£5500 Dryden Fairfax (Mark One) £50pm never cca'd but after 2007 again

they ccj'd her for missing one payment even though we offered to make payments up and then subsequently got a charging order.

we pay out £145pm.

All at some point have offered early repayment discounts even the Dryden fairfax one.

 

 

We may shortly be able to access funds to make full and final offers which ideally we want to do so that we don't have to keep paying out £145pm although I understand it will have little impact on the credit file apart from getting the ccj partially satisifed and the charging order released.

 

 

I know how to attack this and the amounts I will offer, but I keep reading it isn't a good idea and to make a claim for charges etc so wanted to know the best way to approach this.

[Guest]

best thing maybe is to do a separate thread for each particular matter?

are you in a formal dmp with a dmp provider

[Demonbarb]

No we have made offers and make the repayments ourselves

[dx100uk]

best advice...short and simple DONT!!

[dx100uk]

what the ccj for mark one??

 

 

thats your priority get that co gone!!

[Demonbarb]

best advice...short and simple DONT!!

 

How is that best advice? The debts aren't just going to disappear, they aren't unenforceable and I don't want to be repaying them for the next 40 years

 

what the ccj for mark one??

 

thats your priority get that co gone!!

 

CCJ and Charging order,

from reading up on them that is a favourite tack of their's.

 

 

Get a ccj for a stupid monthly repayment,

you appeal,

the judge lowers it to what you were paying before,

they don't attend to contest but then go for a charging order which is automatically granted.

 

 

So that one will be a priority.

[dx100uk]

who got the CCJ and what is the original debt.

 

 

I know you've had the agreements looked at by the old school barrister of years passed

but could they be re-investigated?

 

 

do you nave the paperwork still

[Demonbarb]

The ccj was obtained by the bank who own Mark One,

I forget their name,

 

 

dryden fairfax are their legal people who collect the payments.

The agreements were looked at in 2009 by a barrister who specialised in defending clients using unenforceabilty as their defence,

he wasn't an old duffer who did it now and again. Original debt is what the ccj amount is for