Backdoor Capquest CCJ Shop Direct CAT debt

[dx100uk]

no

[matt5983]

no

 

So just income in my name then? Or no something else

[AndyOrch]

The form is self explanatory...you must list all income but only yours is taking into consideration with regards to payment amount.

[matt5983]

The form is self explanatory...you must list all income but only yours is taking into consideration with regards to payment amount.

 

Had a quick look. States my takehome pay. Doesn’t mention about joint or spouse except under other

[AndyOrch]

Had a quick look. States my takehome pay. Doesn’t mention about joint or spouse except under other

 

I never stated it did...I said all income.

[matt5983]

Right this is getting confusing but I’ve made some progress

Have N245 filled out and ready to send Monday

 

Now remember this CCJ is from Capquest of whom still think I live at an old address

 

This other correspondence I’ve received from Cabot isn’t anything to do with me

Another letter arrived but details were wrong, surname is almost identical to mine and the figure is £200 out

 

Curious I rang, the text I received was also sent in error as there system has a number which is 2 digits different to mine.

 

So with my name being wrong, phone number wrong and plus other details like DOB and are way way out they concluded it’s not me.

So the Cabot issue is over and done with.

 

This leaves the CCJ with Capquest, now as I said they bought the debt 2014, issued CCJ 2017

 

I’ve never heard anything in that time so I’m presuming they have my old address which is obviously why I’ve never heard anything so must also means they cannot find me

 

As daft as this sounds, from 2014-2017 they didn’t hear from me.

Sent court papers in 2017 and didn’t hear from me.

 

Issued CCJ and still not heard from me and now it’s 2018.

 

Almost 10 mnths since the CCJ was issued and the court said they’ve not heard anything from that date either from Capquest ie bailiffs etc etc

 

What’s the chances of them actually chasing this up now as they don’t seem to concerned even after getting a CCJ against me.

[AndyOrch]

So if they are not chasing then dont bother with the N245.

[matt5983]

So if they are not chasing then dont bother with the N245.

 

So you think it’s best to kinda ignore it until I hear anything from them

[AndyOrch]

So you think it’s best to kinda ignore it until I hear anything from them

 

Your choice......they have 6 years to execute the judgment...but you state they dont know where you are ...they will once/if you submit the N245

[matt5983]

Your choice......they have 6 years to execute the judgment...but you state they dont know where you are ...they will once/if you submit the N245

 

True but then the last payment was 2014, so been three years. So if nothing in the next three years it’s statue barred is it not?

[AndyOrch]

True but then the last payment was 2014, so been three years. So if nothing in the next three years it’s statue barred is it not?

 

Afraid not...the clock stopped when they issued the claim...the 6 years I refer to are with regards to executing the judgment...not the debt

[matt5983]

That’s interesting as I was always under the impression it was when it was acknowledged by me.

Ie last payment made it last contact.

 

After six years it can’t be enforced as by saying what u are a debt could be 5 years and 11 mnths old, get a CCJ and it resets it for another 6 years

[dx100uk]

no as they have a CCJ. stopped the clock

 

good job you came here then and found out the correct things.......

[matt5983]

lesrn something new everyday

[matt5983]

A letter was handed to me today from someone whom now lives in my old address from years ago.

Dated Nov 2017.

 

It’s from Restons Solicitors saying if I pay half,

theyll close the account

and mark it as partially settled on my credit file and that would be the end of it

 

No mention of CCJ on it (issued may 2017)

it’s like they don’t know it was issued as they’ve offered a discount to close the account

 

Obviously that time for the offer has passed,

but I wonder if I make contact and say would they still honour that offer and set up a payment plan to clear it

[dx100uk]

are you SURE its the same account number

[but no I wouldn't!!]

[matt5983]

100%

 

Claimant is the same name and so is the amount which matches the ccj

[matt5983]

Found account numbers. Perfect match.

I’m confused. CCJ for full amount, then 7 mnths later a letter offering a 50% discount

[dx100uk]

cause they want to find you to forward the claim I suppose

 

interesting they offer a discount

sounds like all of the debt might not be correct

 

penalty charges and unlawful Buy now pay later interest levied by shop direct?

 

if you've not still got online access to the account

then p'haps send SD and SAR get all the statements?

[matt5983]

It is interesting as I’d thought one would they’ve obtained the CCJ they wouldn’t except anything less as they’ve got the legal power behind them.

 

VERY which is shop direct do add stupid fees and charges so I wouldn’t be surpsied if that’s got something to do with the offer they’ve sent so they’re trying to get something rather than nothing as I’d imagine a judge wouldn’t look to kindly at silly charges being obtained

 

I’ve not got any access to anything so may well do that, however wouldn’t this give them where I am now which may cause issues

 

I’m keeping the letter as evidence if they try playing silly buggers ref the amount so I can argue that they’re willing a 50% discount on the balance

[dx100uk]

nothing to do with shop direct they sold the debt

sar to them is your legal right.

[matt5983]

DX, SAR to very or Capquest?

[dx100uk]

original creditor as I said in post 69

[matt5983]

original creditor as I said in post 69

 

Have to excuse me. I’ve got manthrax lol

[matt5983]

How accurate are credit reports

 

Clearscore have the CCJ down

Noodle Don’t