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    • that is our SB defence yes simply copy and paste it into MCOL.   dx  
    • Apologies in advance for the long post... but I’m desperate now.    I stupidly took out a log book loan a while ago thinking it was my best option. After struggling with my finances and a couple of missed payments the vehicle was repossessed. I managed to get the money together to pay my arrears and the £300 or so pounds they added on for the repo and get back on track.    After a couple of months I got a text (well, bombarded with texts) about topping my loan up which, again stupidly, I decided to do. It was actually a second loan running alongside the first.    Again I fell into arrears and the car was repossessed, again adding the £350 or so fee. I took out another loan in order to Pay get the vehicle back.    I have again fallen in to arrears and I have attempted to lodge a complaint with the company, to which they have not really acknowledged and not advised me of the FOS timescales. I took this to the FOS who advised to go back to the company and if I wasn’t satisfied go back to them. I have submitted a further complaint to them this evening.    I believe I have been let down on several points, affordability, granting of a second loan when I had struggled with the first, unfair repo charges, ignoring my attempts to make reasonable repayment proposals, extortionate fees to release my vehicle and pay for the repossession charges, amongst many other issues.    My main problem however is that I have today been contacted by the repo company who have advised they have been to my address on numerous occasions and have not sighted the vehicle. The chap told me today to speak to the lbl company to come up with a solution this week or they would report the car stolen to the police in order to have me arrested and the vehicle seized.    My mental health has taken a hammering over this (it wasn’t great in the first place, hence the reckless financial decisions) and I fear this could push me over the edge. No car, no job, no house. I know I’ve only got myself to blame but any help would be hugely appreciated.   The loan is via bill of sale however I still have the actual log book.    many thanks 
    • use pdfreducer in upload once the multipage file is compiled 
    • My last response from yesterday seems to have disappeared on here (possibly it didn't get verified), but I'm still trying to get these pics together.   I was ready earlier in the day but discovered my PDF was a lot bigger than 4.5MB and it wasn't postable. I need to divide it into several files, and I'm putting in all of the photos in as it is too fiddly to sort through them etc on my phone. So apologies in advance for redundant one's.   Did you manage to get your zoom lens into action TGS? BTW glad to hear your girlfriend adheres to the same crackpot conspiracy as I do, it's never easy carrying these burdens alone😁
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Bluetonic123

Resolvecall / Robinson Way & very old CCJ & home visit to old address

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I got into a massive pickle with debt between 2005 and 2010. This was loans, overdrafts and payday loans. I have since had refunds from some of the payday loan companies and now have good credit rating.

 

I have credit card and a loan which I am up to date with and am hoping to get a mortgage in 2-3 years but an old debt has come to bite me in the bum and I would like some advice. 

 

I had a CCJ relating to a student overdraft in around 2008. I buried my head in the sand and moved a lot and never paid it (I know it was wrong) and it has now dropped off my credit file.

 

I had a couple of letters from Robinson Way for a debt which I assumed was statute barred but thinking about it could be the old CCJ. I moved house a couple of months ago and these went to my old address. I know the tenant that moved into my old address and have been told that some credit agency came looking for me. They didn't leave a letter or say who they were from but I did get one from ResolveCall acting for Robinson Way threatening this (I only saw this a couple of days ago as I collected some post) so I assume it was them.

 

I was wondering if anyone could advise me on whether or not old CCJs are enforceable. If this was the original creditor I would be happy to come to an arrangement. However I am loath to pay these bottom-feeders if I don't have to. Obviously it is deeply unfair of me to just leave it as I don;t want them harassing the new tenant or the landlord so leaving it is not an option and I will pay them rather than subject them to DCAs calling.

 

I would be very grateful if anyone could tell me if very old CCJs are enforceable and point me in the direction of template letters. I will communicate with them via email as they can't claim not to have received things should this go any further.

 

As I said above, I have worked hard to repair my credit rating and would hate this to destroy it again so if my only option is to pay  I will. 

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An action cannot be brought on any judgment after the expiry of 6 years from the date it became enforceable. The term “action” only applies to the commencement of fresh proceedings on a judgment, it does not include enforcement proceedings so, strictly speaking, for enforcement purposes and enforcement proceedings, no limitation period applies. However, any delay in enforcement on the part of the judgment creditor will affect any award of interest as recoverable interest is limited to 6 years on a judgment that is executed after the expiry of the 6 year period.

 

Court permission is required to enforce a judgment debt that is more than 6 years old. In a particular case of Warrants of Execution, these must be renewed after 12 months if they have not been enforced. Further, the court is entitled to take account of delay and enforcement when exercising its discretion to grant any Order sought.

 

Andy


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Resolve call are powerless and are not BAILIFFS

why not simply send them a letter giving your correct address

Dx


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@dx100uk I will do but wanted to know where I stood first. They might not have legal powers but they do have the power to make me feel uncomfortable and harass me which I don't want

 

.@Andyorch Thank you for that. I am about 80% sure it is the CCJ but not 100%. I was considering sending them either the statute barred or prove it letter. Any thoughts on which would be better? I imagine that they paid pennies for the debt so part of me is considering offering them 20% to go away. Do you think this is a good idea?

 

Thank you for replying I am quite worried. 

Edited by Bluetonic123

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cant be sb'd if you have a ccj.

 

tough luck on being harassed

that's all a dca can do anyway.

 

just send robbersway a simple letter saying I now live here.

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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The CAG Interest Tutorial Read Here

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Personally I would ignore them ...they have few hurdles to cross before they can do anything with the judgment...which costs....but yes you need to update your address with them and retain proof of notification.


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Thanks @Andyorch I will update my address but I would like to stop them coming here if possible but I guess that's not! I now have to decide whether or not it is worth paying them to go away. 

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Well thats up to you and your choice.....I personally would file all the letters together....anyone at the door would be ignored or told to go away and sit back until the court informed me they had made a fresh application to request permission and the court informed if they had allowed it.


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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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