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Hi

I Have Had A Debt Since 1995 And Have Been Paying £5 Per Week Due To Having Other Debts, Been On Maternity Etc.

They Have Now Took Me Back To Court For My Money To Be Taken From My Wages. What Can I Do?

I Returned To Work Last Month And Can Afford A Bit More Each Month But Not The £1000 I Owe Them.

Is There Anyway I Can Get Out Of My Money Coming Off My Wage?

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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yes ccj - the court has issued me with attachment of earnings.

i have however rang company today who are withdrawing court order if i pay £50 per month which i am. however, i would like to claim back all the charges they have added to the account over last 6 years. can i do this?

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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You might also be able to apply for the judgement (ccj) to be set-asside, on the grounds that the original figure claimed was partially, or substantially made up of unlawful charges.

Nil Illigitimus Carborundum

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how do i do this? also, what interest rate do i charge? interest was added to account due to late payments etc years ago. also, i have had late fee penalties added

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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Start with an SAR to the original creditor, then you'll have all the figures you need to play with. Once you've got all the details post back here for more advice, but if possible open a topic in the relevent forum if it's a bank (you didn't say).

 

In the meantime, have a good read of the materials in the library, it might seem a bit daunting at first, but trust me, as you spend a bit of time studying it'll all just gradually fall into place.

Nil Illigitimus Carborundum

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  • 9 months later...

sent sar and cca and they have sent account details, bank charges totalling £994, plus they have failed to supply me with a signed CCA.

what should i do now, bearing in mind i have a ccj on this loan from 2004

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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