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Default CCJ from dfs / black horse finance Help to set aside -statute barred?


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Have you received a Court Claim or a CCJ ?

 

Andy

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Got a default CCJ from dfs / black horse finance. I Checked my credit file and found it, it’s from Jan 2016

 

Sent to old family house, not lived there for years and fell out with my siblings. I am on the electoral role there still though for some reason

 

Got couch in 2007

 

Stopped paying in 2010? Got made Redundant in same year and couldn’t afford to pay and lost my house and everything. I did pay it off for 4 years so can’t understand how outstanding amount can still be £800

 

Is there any chance I can get this set aside?

 

I’m reading about statue barred but I’m not sure exactly when I stopped paying black horse finance it could be 5 or 6 years to the CCJ date. Should I just ask them for this info or try and find out myself? I have changed banks since though

 

Also after looking into this I’ve seen some others who had errors on their dfs paperwork like incorrect dates of the contract. Are any errors enough to use as a defence?

 

Also others have found PPI insurance which wasn’t agreed. I imagine mine will have that also - I haven’t found the paperwork yet though

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hi ya

ive merged your two threads on the same subject.

 

it wouldn't have been DFS nor Blackhorse that got the Backdoor CCJ but a debt buying DCA.

 

do you have the CCJ number?

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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post 4 please

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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didn't ask you to do that

 

if you've got the number then go ring northants bulk tomorrow

ask for a copy of the Claimform and the CCJ by email PDF

it will not have been BH that got the CCJ

but a debt buyer/DCA

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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  • 3 weeks later...

Ok got this letter back off solicitor saying the original credit agreement with black horse finance was terminated on 19/11/2010 what does this mean. Is that when I last paid ?

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PDF please read upload

 

you need to REMOVE YOUR DETAILS AND REF NUMBERS

ive hidden your picture above

you've left pers details showing

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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