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    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject.   My original  CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  So at a loss as to why the sudden loss of response from them.   Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.  
    • whats the court claimform for? return of goods order? please complete this:  
    • std DWF letter. typically £157 something. lots of them here already doesn't say WILL anything. read it properly dx  
    • Have you read our upload guide [click on the word] for advice on how to post up documents? Pdf files are best, jpegs won't be accepted. HB
    • Sunak's already had enough of travelling like the little people. Rishi Sunak flies back from Devon by helicopter after gushing about 'great' train travel - Mirror Online WWW.MIRROR.CO.UK Rishi Sunak told broadcasters: 'The train was great, I've been taking lots of pictures and videos' - but he skipped the 3-hour, £55 train home in favour of...  
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Channel island account holders? ref:TSB


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after searching this fab forum i have not be able to find if channel island account holders can claim back there charges as i have been told they are with in the law with regards to these issues and you cant claim!!! >hope thats wrong

 

can someone please put me straight?

 

many thanks in advance.

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Ooh tricky one! I know CI law is not necessarily the same as UK. Who told you they were within the law? It wasn't the bank was it? As a suggestion from a non-expert. Why not try a request for info under the Data Protection Act which will cost a tenner. You will either get the info or they will send the tenner back saying DP doesn't apply here. If you get info it will only cost the price of a stamp to put in a request for payment.

 

What have you got to lose? Let us know how you get on cos I'm sure there must be others in CI who would be interested. Good luck:rolleyes:

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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HI CARO

 

no was a friend that told me that as she had contacted CAB and they said did not apply! but i sent off my first letter with a cheque for ten quid and got my stuff through this morning! [only took a week] so am going to procced and see how far i get, wish me luck!

 

debbie

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Good luck Debbie. Even CAB may have got it wrong as this is such a relatively new initiative, so if you are the first over there they might not be fully aware of what is going on.

 

Fingers crossed:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 1 year later...
  • 3 weeks later...

It seems to me that if the Bank`s head office is registered in the U.K. then if you chase them there may be a case to answer as most of the laws and regulations will apply. for instance if an offshore business trades with U.K. customers they are liable to VAT for goods and services that they supply to U.K. customers, although they are registered offshore. I also think that the chances are better if you are living in the U.K. as you will be able to proceed through your local county court, I can only add to this that if you live in Guernsey, that I think that you will have little or no chance through their court system as the person who will hear your case is a government employee, and he is not going to upset the banking industry!!! :evil:

These are just my private opinions and have no legal grounding, but it is worth some-one having a go to see what happens. If i can find my details from 10 years ago I am going to give it a try, but don`t hold your breath:D

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

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Hello!

 

Just a note regarding a point in the last post, which was good information by the way, is that some companies such as play.com, hmv.com are based offshore and do sell goods to uk residents without paying VAT. That is why they are based there, to avoid the tax, thus making prices cheaper... I think I am going to look to take lloyds on, by writing to their uk address, via the uk small claims court. Let u know how it goes, when I manage to do it!! In the meantime, if anybody has any further info, please tell!!

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:) You may be right about Play.com and Hmv.com but then the customer becoms liable for the VAT and HM Customs and Excise can intercept the mail and collect their dues from said customer:mad: They have far more powers than the police!!!! :cool: good luck anyway Lloyd, go get `em

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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  • 11 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

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