14 year old welcome finance CCJ now Intrum chasing

[dx100uk]

4th July 2013 09:20

update..... Nothing new at all really.

 

I have sent a SAR to welcome so will wait and see. ..................

.

 

 

find the DN date in the comms log.

[tezza1234]

i have a ccj which has blighted my credit file for the last 6 years, (and another 6 years before that as a default) it drops off in a week or so,

 

i have a court ordered agreament in place to pay £10 per month

- do i need to keep paying this even after the ccj has dissapeared from my credit file.

 

In the 6 years ive had the ccj i made approx 15 payments of £10 so £150 in total, the ccj amount just just under 5k.

 

If I stop paying can the creditor,

was Welcome now IND

still take further action to recover monies.

 

Thank You.

Edited January 20, 2019 by dx100uk
spacing

[renegadeimp]

Can you post as much info as possible?

 

You certainly should not stop paying if its a court ordered payment.

[tezza1234]

Infor such as what sorry.

 

I had a 2k unsecured personal Welcome loan 12 years ago - made 1 payment I think the defaulted (not proud but I was young) just before the 6 year mark of default Welcome got a CCJ against me for the amount of just under 5k

 

Ive had 3-4 visits to county court over the last 6 years when I havnt paid and Welcome asked the court to look at my finances, which are crud so I offered £10 per month, which the court deemed acceptable. So, in the last6 years of having the CCJ I have made approx. 15 payments of £10 so around £150 in total of this 5k CCJ.

 

The CCJ drops from my file in a few days as is 6 years old itself. What I didn't know was am I legally obliged to keep paying this £10 per month, I know the court said I had to, but I wasn't sure if that was only ever for the time the CCJ showed on my credit file.

 

So what - its ruined my credit report for the last 12 years, and I still have to keep up the £10 a month payments, even now, for the next 47 years, to clear the CCJ total owing.

 

Just wondered what my options were.

 

Thanks

[dx100uk]

retitled and moved to the Legal forum.

 

ind don't have a judgement its in welcomes name and sold to them.

they could enforce it yes

but when was you last payment to ind?

[dx100uk]

Old and new thread s merged for complete history

[tezza1234]

I make a £10 payment every month at the post office via barcode DX - last payment was 19th December.

[dx100uk]

Yes i know ive just merged the master thread with this new one for the 8 th time..

 

So did you sar welcome yet?

15 times of asking ...now.

[tezza1234]

No DX I didn't because I have a very busy life and to be 100000% honest with you I see VERY little point in SAR'ing anyone on a 12 year old debt which will soon, finally, be off my credit record at least, I just didn't know if that meant I had to carry on paying the £10 a month. But thanks for clarifying.

[dx100uk]

I would expect the information an sar would provide will prove the remaining debt if not more is solely made of things you can reclaim like

all unlawful penalties

any insurances they made you take out.

it might well transpire, as could have in 2013 that you owed nowt in the 1st place.

all we need is the info and we can do it for you.

[tezza1234]

I had a 2k unsecured loan from Welcome Finance- 13-14 years ago,I defaulted,just before the debt was due to become SB Welcome got a CCJ against me,

this was over 6 years ago.

 

This CCJ is no longer showing on my CR.I was paying £10 per month,by order of the CC,over the 6 years the CCJ was on my file I probably made 20 or so payments of £10. 

 

The Loan which was with Welcome,moved to IND  now its moved again to Intrum (legal department) who are sending me the odd letter saying there is still a balance outstanding and no payment plan in place.

 

Question

- can I now ignore this

- ive heard nothing from the courts in over 9 months,

the CCJ dropped of my CR over 5 months ago.

This is, now a 13-14 year old debt.

[AndyOrch]

How much is the CCJ for tezza?

 

Thread moved to Financial Legal Issues Forum.

 

Thread title amended 

 

Regards

 

Andy

[tezza1234]

It was just under 5k - amount apparently owing is £5200 odd.

 

back to my original post though - a unsecured loan 13-14 years ago. 

 

It blighted my credit report for 12 years as it is, can I just ignore intrum now.

[AndyOrch]

If they wish to execute the judgment they will have to get the courts permission as the judgment is now over 6 years old.Ignore them until the court advise that they have made application.

[tezza1234]

Thanks Andy

 

in the past the courts wrote to me when IND took it over from Welcome.  I’ve heard nothing from the courts in 9 months, and yes, they do have all my correct details. I’ve heard nothing about Intrum getting involved, apart from letters by intrum.

[London1971]

Yup, ignore and wait until  if / when you hear anything from the court, which I think is unlikely you ever will.

[dx100uk]

old and new threads merged for complete history...and is it a long one...

 

are a company called intrum mentioned anywhere on these letter s of recent?