Unknown Link Backdoor CCJ - first national debt

[meltonmag]

hi can any one help with this

[jon8214]

have you made any payments to this in the last 6 years?

[AndyOrch]

Hi and Welcome to CAG

 

So what was your complaint ?

 

History of this debt ?

 

 

Andy

[meltonmag]

Hi was a loan with First National for windows

they gained a ccj when I defaulted

 

I have been making payments of ten pound since then i have no copy of the ccj

[AndyOrch]

First National got the CCJ or the debt collector ?

 

Thread moved to Financial Legal Issues in view of the judgment.

[meltonmag]

first national

[AndyOrch]

Thanks so when did the debt collector get its hands on it and when did you start paying them ?

[meltonmag]

july 2004 I continued making payments of ten pounds they then added interest

[dx100uk]

Sniff sniff cash cowing link again

They always claim they can charge int when they see a ccj!!!

 

It would be an interesting exercise to see if northants bulk has a copy of the ccj and the claumform. Why not try ringing them tomorrow

 

Thats over £7800 you've paid our biggest fleecer

[AndyOrch]

Well ideally you need a copy of the original claim form to see the particulars and also a Notice of Judgment this will state the judgment amount to be paid.If there was any interest to be added first national would have included in the initial claim...a Debt collector cant add anything.

 

You pay what the judgment notice states...not a penny more.

 

 

Andy

[meltonmag]

Ive tried to get a copy of the ccj but ive had no joy it had come off my credit file and I was trying to get a new mortgage

 

I just kept paying the ten pound to keep it sweet.I

I was worried about them trying for a charging order.

I reckon ive paid about 500 over the original judgement

[shamrocker]

Defaulted in 1995 and assigned in 2004? I'd say there's a fair chance it was statute barred.

 

meltonmag, did you make any payments towards the debt in that time or have any dealings with the original creditor?

[dx100uk]

Have you ever rung northants bulk and asked?

Do you still have record of the claim number??

[shamrocker]

Also, they claimed in 2011 - was there any activity between 2004 and 2011?

[meltonmag]

yes as i was worried about defaulting on a ccj i kept making the payments the amount left on the ccj was 1092 they added 1739 august 2004 then added further interest 2009-2011.

yes i rang and they could find no record of it

Edited June 4, 2018 by meltonmag

[shamrocker]

You say: "yes as i was worried about defaulting on a ccj i kept making the payments"

Is this since 2011? ...or since before?

 

You say: "the amount left on the ccj was 1092"

What year was this?

 

You say: "they added 1739 august 2004 then added further interest 2009-2011"

Who are "they"? How do you know they added this interest - do you have documents for it?

[meltonmag]

i asked link financial for a list of transactions that have been credited and debited to the account. They have sent me a print out the letter above is from them when i complained about the interest.

 

2004 1092

may 2018 1822

Edited June 4, 2018 by meltonmag

[dx100uk]

Fleeced blind

[meltonmag]

THE OFFICE of Fair Trading will make legal history this week when it starts a High Court action against a subsidiary of Abbey National over its interest charges on hire purchase agreements.

 

The OFT is suing First National Bank, which was acquired by Abbey National four years ago, over a "standard contractual term" the firm uses in HP agreements used by customers to buy consumer items such as washing machines and fridges.

 

The OFT wants the bank to change a clause which allows it to keep charging interest to customers who have already gone to court to show they cannot keep up payments. Use of the clause can mean debts continue to grow even after a court has judged them to be unaffordable.

 

It is the first time the OFT has gone to court under legislation introduced in 1995 to enable the regulator to negotiate with companies over consumer contracts that it regards as unfair.

 

First National has refused the OFT's request to change its particular contract terms, and is determined to fight the OFT in court.

 

A spokeswoman for the OFT said on Friday: "This is the first time we have ever gone to court on this legislation. This is a big deal for us."

 

The legislation concerned is the Unfair Terms in Consumer Contracts Re

 

 

 

 

 

this was what concerned me

[shamrocker]

i asked link financial for a list of transactions that have been credited and debited to the account. They have sent me a print out the letter above is from them when i complained about the interest.

 

2004 1092

may 2018 1822

 

That letter they sent you doesn't mention "CCJ". Did they actually sue you for the debt?

[meltonmag]

no first national took me to court and i applied to pay in installments.

[shamrocker]

no first national took me to court and i applied to pay in installments.

 

When was that?

[meltonmag]

95 I think

[dx100uk]

Lets see all your and their complaint letters

One mulipage pdf

Read upload

I bet they didn't send any annual statements so couldnt charge int under fca/fsa rules anyway!!!

[meltonmag]

They have sent annual statement they have not added interest since 2011.

I have just let it lie since 2011 as I knew the judgement had not been paid off the complaint was through resolver and the letter above was their reply

 

I just asked why interest had been applied to the account

I have not mentioned the ccj .

 

I have now requested all data that they have regarding the account hoping that they might provide me with a copy.