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


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urm.. me too.

 

i would have thought that if there was already a DMP if force even if vol, the judge surely would not have just accepted this was not enough?

 

unless again, if the defendant does not turn up, the whatever the CC ask for they get by default?

 

strange.

 

dx100uk

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Busy digging all my corres out but I remember offering a fiver a month and I didn't hear anything negative (didn't get a positive either) and the next thing I knew I had a summons. Like a clown (I didn't know any better), I admitted the debt. Judge says, "pay a fiver" and I ended up with a CCJ from Amex. What was the effing point?

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Been through my Equifax and credit expert reports it would seem that this paragon account does not show up anywhere on the searches !!.

 

I can only find two refrences to paragon on my credit reports

 

1. Paragon personal finance,(previously CHATHAM FINANCE) who live in the paragon hovel..

 

2 Pargon personal finance plc LOAN (£5 a month)

---------------------------------------------

3.Paragon personal finance £10k loan

 

---------------------------

1. I was sent a copy of the actual agreement from chatham finance with T&C in april OK..have sent letter to ask for Full and final

no responce as yet.

 

 

2. Paragon P/F loan for insurance on a suite back in 2001 sent agreement but no T&C

-------------------------------------

3. and ABSOLUTLEY NO REFRENCE TO PARAGON NUMBER 3 UNDER THIS ACCOUNT which issued a ALLEGED DEFAULT and took me to court to get a CCJ.

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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When they CCJ'd me am i right in assuming that the payments up till then can be included in my total and not from there judgement date..?

 

I have sent my letter by R/D 20/06/07 with CCJ payment waiting for a reply....

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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When they CCJ'd me am i right in assuming that the payments up till then can be included in my total and not from there judgement date..?

 

I have sent my letter by R/D 20/06/07 with CCJ payment waiting for a reply....

 

I would keep on paying as normal... makes you look good to any judge:rolleyes: It should be for only a couple of months:)

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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at last aquired a scanner ...

 

here is the copy of letter recieved from one account with paragon...

 

firstletteredit.jpg

 

 

and here is the agreement

 

CCAparaedit.jpg

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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No T&C were sent with agreement .

 

Does this constitute an unenforcable agreement even if it has signatures etc ,therefore i should start re-paying the account or wait for Terms & agreement before doing anything.

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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I've sent a 3 page letter off to Amex setting out various reasons why I shouldn't have had a CCJ; The absence of a properly executed agreement being the main reason obviously and I didn't get a notice of Default. I've demanded the removal of the CCJ (not just satisfied) from my credit file. I have accused Amex of obtaining the CCJ dishonestly and illegally but whereas I have the proof in the guise of an Application Form only, they cannot argue the toss. In addition, I've threatened them with court as they haven't provided everything I asked for in my SAR request. In the event of a p... off reply letter, I have held some info back in reserve.

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sent offers today using template from nationaldebtline website to

 

Halifax loan owe £234 offered £140

Halifax overdraft owe £198 offered £120

customer solutions. owe £477 offered £290

 

update...

 

halifax loan agreed to £152 F&F

sent cheque for £152...Paid:D

 

halifax overdraft agreed £190 F&F

Ofered to pay in 2 instalments accepted 1st cheque £95 sent:)

 

no responce as yet from customer solutions.:confused:

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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No T&C were sent with agreement .

 

Does this constitute an unenforcable agreement even if it has signatures etc ,therefore i should start re-paying the account or wait for Terms & agreement before doing anything.

 

anyone....:)

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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I have sent a sar to them on 26/06/07

so ill will hold on till it turns up in the request.

Cheers:)

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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reply to my S.A.R - (Subject Access Request) request came today..

 

letterreply3july.jpg

 

sheet1statement.jpg

 

 

 

sheet1statement.jpg

 

 

several sheets of payments and thats it!!!!

 

so much for T&C eh!!

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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I have not got confused...:)

 

already sent cca

 

ccaREQUESTMAR07.jpg

 

and next

 

 

sarREQUESTJUNE07.jpg

 

they also returned the £10 cheque with thier letter

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Well they also applied the £1 cheque to my account??

 

added1toaccount.jpg

bloody cheek..:mad: :mad:

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Apologies

 

I wasntb aware you had sent both letters. They have failed to respond to both your CCA request so are now seriously in default.

 

The SAR request has not been complied with either although they have 40 days in which to do so. You sent the correct fees, what they chose to do with the money is up to them. As they are now in default of your CCA you do not need to pay them. Ask them for a copy of their official complaints procedure and we will take it from there

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Thats good news:D :D

 

Thanks

 

Spuddly:)

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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  • 2 weeks later...

still no T&C or S.A.R - (Subject Access Request) documents...i feel another trading standards complaint coming on (after cabot)http://www.consumeractiongroup.co.uk/forum/cabot/78350-cabot-financial-response.html

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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no reply as yet to CCJ request letter :???:

they have cashed the cheque for £103:D

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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  • 2 weeks later...

sundrydebits.jpg

 

what are sundry debits:confused: ?? when i sent for the sar request all i got back was another set of statements THATS IT!!

no explaination of sundry debits :confused:

 

they come to £200

 

and on the paragon statements they say i still owe them £250.63:mad:

spuddly:)

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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sundrydebits.jpg

 

what are sundry debits:confused: ?? when i sent for the sar request all i got back was another set of statements THATS IT!!

no explaination of sundry debits :confused:

 

they come to £200

 

and on the paragon statements they say i still owe them £250.63:mad:

spuddly:)

I would imagine these are Parasites charges for interest or sending out the threatomatic letters. You could always ask them in the same letter in which tou tell them the bumph they sent you is not an SAR

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It would seem to be interest at about 23%. Sundry credits do sound like £10 for a letter.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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