Universal Credit Loan CCJ - Now Paragon - Paid 19k Still owe 6k

[dx100uk]

i was under the impression that if a ccj had been issued, then interest must stop.

 

dx100uk

[spuddly]

I need to write a letter to paragon asking if i have settled the CCJ and let them know that the CCA copy they sent me has been filled by pen also no signatures or even dated.

 

i am convinced that what they are trying to get from me is Interest added after the CCJ was issued.

 

I have already paid them 15K and they say i owe 8K more:mad:

 

Can anyone help with drafting up a letter please..

 

I need to put the CCA they sent me on this post HOW ??

[spuddly]

i am not even sure if the papers they sent me for the CCJ actually are legal.there are no official stamps from the court on the duplicate copys they sent.

 

 

we have paid actually over £103 asked for by CCJ terms since june 2002

and a quick calculation would be

 

12X 66mnths @£103 = £6789.

 

need to show CCJ papers for scrutiny on this site..

[tomterm8]

i am not even sure if the papers they sent me for the CCJ actually are legal.there are no official stamps from the court on the duplicate copys they sent.

 

 

we have paid actually over £103 asked for by CCJ terms since june 2002

and a quick calculation would be

 

12X 66mnths @£103 = £6789.

 

need to show CCJ papers for scrutiny on this site..

 

if there are no court stamps, they are not legal copies. Call Trading Standards, and ask them to look into the case.

[spuddly]

please please i need to upload scanned documents how do i do this..

Spuddly:)

[diskmandave]

Get a Photobucket account, upload the full scan and then paste the IMG CODE on a blank line to show the scan in the message body, like this...

 

(DCA credit controller wading through the CCA requests from CAG members!)

 

Regards, Dave.

[spuddly]

MY COPY FROM DAY 1...

[spuddly]

Their copy from SAR request...

[tomterm8]

Their copy from SAR request...

 

Did you sign the second form?

[spuddly]

NO i only used XXXX's where my personal details were, i did not touch the signature box that is how it was sent...

[tomterm8]

NO i only used XXXX's where my personal details were, i did not touch the signature box that is how it was sent...

 

So we've got two different forms, one from the cca and one from the S.A.R. which have different information (look at the APR), neither of which was signed, and therefore it seems clear that they haven't actually got an executed Credit Agreement.

 

Hm, i smell a rat, and so will the judge:) Remember, the CCA must be a true copy of the executed agreement.

[spuddly]

going to post all the paperwork that i was sent in my SAR request regarding CCJ next...

[spuddly]

CCJ.... personal deails removed (Front)

[spuddly]

CCJ (back)

[spuddly]

CCJ 3rd part

[tomterm8]

that does not appear to be a valid Claim form, for the reason that it does not have the court seal or claim number. i would suggest calling the court and asking them about this.

[spuddly]

I do remember going to court although no one from their side turned up.

In the SAR they sent me a case number and the judgement details on a unofficial sheet of A4 paper with no signatures or court stamps.

[tomterm8]

I would suggest phoning up the court and asking for a copy of the judgement with the claim number. Don't forget, the judge might have stayed or struck out the case, as no-one from their side turned up.

[spuddly]

I would suggest phoning up the court and asking for a copy of the judgement with the claim number. Don't forget, the judge might have stayed or struck out the case, as no-one from their side turned up.

 

DMP at the time offered £103 pro rata which they accepted for a while probably knowing that it would end up in court.

Fortunatley for me it did not go there way and my DMP carried on paying the pro rata payment.

If it was stayed or struck out would this mean that thier is no CCJ against me, as i am unsure what these terms "stayed & struck out" mean...!

[tomterm8]

DMP at the time offered £103 pro rata which they accepted for a while probably knowing that it would end up in court.

Fortunatley for me it did not go there way and my DMP carried on paying the pro rata payment.

If it was stayed or struck out would this mean that thier is no CCJ against me, as i am unsure what these terms "stayed & struck out" mean...!

 

Just because it goes to court doesn't mean they got a judgement. A judge might, for example, not be satisfied that the debt is payable, or might chose to refer the matter back to the parties for negotiation.

[spuddly]

Just going through the SAR from paragon ( cant look through enough at the moment), and i have noticed that as well as a VERY dodgy CCA there is NO LETTER OF ASSIGNMENT from either PARAGON or UNIVERSAL CREDIT(ORIGINAL ACCOUNT).

 

Spuddly:)

[spuddly]

before i phone the courts i thought i would try the web search option so i looked up my local court here

 

http://www.hmcourts-service.gov.uk/HMCSCourtFinder/Search.do;jsessionid=721B7866DB4DCCD8A7619C8E4796BC99

 

then followed it to here

 

Online Services

 

then scrolled to legal and professional /judgments

clicked on the RTL Home link

and found that i have already paid for the search and with no results sent by post a few days later.

[spuddly]

ok... called the courts today and they confirmed there was still a CCj , however they also told me that it has not been updated since 2002 when it was issued and was advised to contact Paragon to ask if it has been settled and if so then i can remove it with a fee of £15.

 

So now i need to draw up a letter requesting said action and probably offer this months payment.

 

What should i say in the letter..?

[iconoclash]

Hi there - been reading this thread with interest as I have a problem with Paragon, however, re CCJs, my understanding is that whatever was agreed in that judgement is the existing condition/agreement, no change can be made to the payment amount, interest or not, without going back into court with it. Hope this helps.

[paulwlton]

check with a cra that you do have a CCJ or not

if a ccj exists, then i see little point in a CCA request?

 

dx100uk

 

A CCA request is still legally binding even if the credit agreement as been subjected to a CCJ.

 

Paul