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    • Thanks dx.   So a little update on this. Court awarded me a CCJ against this company, and I've been chasing them for a year now. Registered address changed to a lawyers office in London. I contacted this law office numerous times, and eventually one of the directors emailed me back and confirmed Payza was indeed their client and that they were not aware of any CCJ. So I sent him all the court papers as well as a copy from Trust Online about a month ago. So far the lawyers have ignored me further.   Now I'm looking at a way to perhaps do a third party debt order against their bank account. I know they had money in the bank account. The director had since been arrested in America after my CCJ against the company.   Am I correct in thinking I have to pay the fee and it gets added on to the CCJ amount? I'm about 75% sure I know what banks they were using, but don't want to waste the money on fees to be told they don't use that bank.   Is there a way to get their lawyer to say which bank they use?
    • Apologies in replying, I was up for 30 hours and had to catch up on sleep. And I don't have my laptop right now either.    I already sent in the defence on Tuesday  as that was the only day I could before the 24th. I did use the defence from CAG, I did try rewrite as best as I could removing a lot of the waffle, making the set points with the evidence.    When I hear from the court next - I believe a questionnaire and direction of some sort- I will update you and see what the next steps are.    Thanks a tonne!! For all of your advice! I wouldn't have been able to even get close to what I have with setting aside the ccj and the defence without you. I am very lucky to have the help I've been given from you all out of your own time. You are awesome!
    • this is a normal contract for when you forget your wallet and fuel up your car and then promise to pay them later. If you return righ5t away you dotn pay any extra and you can even demand your paperwork back from the garage as they then have no lawful reason to process it. Now is it a fair contract? well, yes and no, if you dotn have the means to pay for your fuel before you fill up then you are committing a criminal offence by doing so but as i many cases of this nature the company would rather farm all the aggro out to a third party who then screw you out of money rather than invoke the available law. So, as you werent offered the contract to consider before you fuelled up then none of it is enforceable and the petrol companies should get their heads around this rather than allow the third party just coin money out of the unfortunate or forgetful   what I fail to understand is why you didnt just pay for the fuel with the card that you were going to use to get the cash? As for the rest of your story listing your afflictions , that doesnt make any difference to a contract, if you are not capable of entering a contract you shouldnt be driving either.
    • Their Order is somewhat confusing...yes you get your set a side and they will not object.   No defence has ever been submitted so it can't stand.(unless you submitted a defence with your application ?) They then state Directions Questionnaires be issued (goes to allocation) and then the next paragraph states the claim is stayed.   Anyway the " Schedule  " is irrelevant it's the " ordered by consent " part that matters.....claim is stayed.     Typical Robbers Way     Andy    
    • Yes thanks both  Have been on the phone to a UC call centre today  to help someone in my Council ward, they said that there is NO paper based system, but if someone is blind or has a vulnerability that makes it difficult to access  then what TomTom has linked to is a way to do it.  That mythbuster link is very useful indeed. DWP are known for pushing easy options  (for them) but will help at a Jobcentre if no other way.
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
welshlass

Corner Park aka FiNANCE U very old debt CCJ

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hi all

 

much needed help please ,

 

as you are all aware this named company/garage whatever they are are not the best to deal with to say the least,

i am wondering what i do next

 

i had a car from them back in 2000 and i part ex a car in poss 2001/2002

a year after that i had money troubles new born baby and couldnt afford it

 

they kindly reposessed it

send abusive letters/calls/texts etc all the normal delightful stuff

 

in 2005 he put a ccj on me for an amount just short of £13k with a repayment plan

i was not able to pay this

i may have paid one or 2 payments but that was it

 

i havent heard a single thing for 5 years and 2 months exactly

yesterday had a lovely letter from their new legal and recovery department saying that i have to pay full amount in 7 days or they will instruct baliffs from cardiff county court to remove my goods to the value of the outstanding debt!!!!

 

what i am wanting to know is can they do this after so long?

what do i do next ?

 

unfortunatly i had a house fire in 2007 and lost all my documents

i dont have a single piece of paperwork,

 

how desperate to chase after purchasing a car 10 years ago.

i too tried calling several times but they are horrible not interested in any circumstances or reasoning its one way or no way!

 

any help on where i start and what i do would be great

 

am just so pleased i found the thread on here about them

otherwise i dont know what i would do apart from panic and wait for his thugs to turn up!

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oh what a luvvie:-x man

 

first thing

 

what month in 2005 did you get the ccj

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hiyah postggj

 

i was hoping you would comment as i know your a fan of this man.... it was 25th may 2006 that i recieved the judgement for claimant and this was the last correspondence i had and a copy of this was attched to the finance u letter i had yesterday :)

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if baliffs are instructed from the county court then that is a good thing

 

they have a brain unliike the parking fine private bailiffs

 

if they do turn up then you only have to explain your circumstances and they will just return the warrant back to the court.

 

the most that will happen is the judge will ask you to attend court to go over an income and expen form and do an assessment

 

 

ime having to think on this one as a ccj has been awarded and is quite old

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ok thanks for yr help, i rang the court yesterday in panic and spoke to a very young girl who advised that they will send a letter out advising me that they are doing this before they turn up!

if i need to get a solicitor i will i am so annoyed by this man its unreal i too am going to fight him every step of the way the more of us do then he may think twice but maybe not but atleast satisfaction for me

 

why leave it this long though the courts said he can do an enforcement within 6 years after that he cant do anything!

 

oh and just to let you know at the bottom of his new designed letters new director is A humphries she was the secretary (anne)

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As you know ime dealing with this for nowayjose

 

i beat him the first time and cost Him £1500

 

ill do it again

 

let me think on this one for a bit and ill get back to you

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aww fab thank you sooo much really appreciate it :)

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Oh dear Welshlass, so sorry to hear of your problems with these, how they get away with it I dont know, just hold on in there and Postie will give you as much help as he can... I will be watching your thread with interest too, take care x

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oh and just to let you know at the bottom of his new designed letters new director is A humphries she was the secretary (anne)

 

 

Interesting :eyebrows:

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hi nowayjose,

 

aww thank you , yeah he seems to know his stuff thank god :) good luck to you too i couldnt believe it when i read yr thread all what they did to me before the judgement then nothing! but mine was a few yeas before you.. its a sham!! there must be a way of reporting them or doing something or tripping them up as there is no way he is all 100% above board there must be a loophole somewhere ....speak soon x

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hi guys any news? any updates? hope yr both well :)

Edited by welshlass

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Hi Welshlass

Thanks for the friends add, just waiting to submit my defense now.. so just a waiting game :couch2:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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DEFENSE IS NOW READY:whoo:

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check back tonight now ive finished on the other thread

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thank you postie really appreciate yr time :)

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do you have an exact date that the ccj was granted

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thanks i only have what is written on the letter which says at the top

'judgment for claimant'

 

its the payment arrangement and the date on that is 25th may 2006 i could ring the court in the morning and find out any information :)

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i am going to ring courts in morning and ask them if they can send me copies of any documents and what the exact dates were that would help wouldnt it?

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in need of advice plssss

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have you confirmed the documents with the court

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the date you mean?? if so yes i have just send you a private message :)

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hi, i have also received a letter from them today. about a car they repossessed years ago. the last i heard from them was in feb 06, when they said they we going to get a ccj. i have had a bad time over the last few years, and am now looking after my very ill mum. if the thugs came i believe it might push her over the edge. how do i go about sorting this problem with finance u. thanks

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without a ccj, they can do nothing

 

just ignore

 

you are the third poster today on this lot

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hi, i have also received a letter from them today. about a car they repossessed years ago. the last i heard from them was in feb 06, when they said they we going to get a ccj. i have had a bad time over the last few years, and am now looking after my very ill mum. if the thugs came i believe it might push her over the edge. how do i go about sorting this problem with finance u. thanks

 

Hi Tiffwales

 

Perhaps you should start your own thread, you can be sure of plenty of help on here. Keep us updated.

NWJx

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hi all,

I've just been reading the threads about corner park's "finance u" hire purchase plans for cars.

 

I have to say I completely disagree with the posts that have been placed.

 

I'm not saying that the people are not being accurate. (How could I? I'm not them)/

 

However I do feel I have to provide my experience with this company.

 

I purchased a car from them 3 and half years ago.

My payments were for £206.00 a month for 30months.

I also had to pay a 20% deposit.

I struggled to pay the deposit, but they allowed me to pay it in instalments.

 

Since then, as I've already said I've experienced difficulty in making the repayments.

 

I've spoken to Nick and Graham on each occasion and never found them to be aggressive, abusive or threatening.

 

In actual fact Nick has done all he can to help me keep my car.

 

On one occasion, The gear box went on my car (a common fault with the type of car I have).

 

I put it in a garage to be repaired and the garage kept it for 8 months.

 

1 phone call to Nick and my car was removed from the garage, repaired and returned to me within 10 days.

 

On top of that they were particularly understanding about the fact that I struggled to repay the repairs so did them for me at cost.

 

Allowed to me repay it exactly as I had my car AND WITHOUT interest.

 

So people, while i can imagine you may have a completely different view to me on this one,

I have to say that the secret to not having a CCJ, car repossessed or default notices issued (which are all entirely legal) is communication.

 

If you speak to these guys and are honest with them they will help you all they can.

 

At the end of the day, they don't need the hassle of trying to sell on a car that will have depreciated in value through general wear and tear.

Nor are the in the business of repossessing cars-its a car SALES not repossession company.

 

L.M.

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