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cAN i CLAIM ON OLD CREDIT CARD DEFAULTED TO CCJ?


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Hi Folks

 

I'v been reading a number of the posts regarding claiming on Credit Cards. I had with RBS and I was defaulted and issued with a CCJ for this. Does this prevent me being able to claim on it? (I have never paid this off but they no longer contact me regarding this).

 

Card was opened when I was an 18 year old student and didn't know any better. If I was to claim:

a) how would I get the account number, I no longer have any correspondance re this?

b)would I be able to claim with an (unpaid) CCj on the card?

 

Thanks so much

 

love Fiesty :oops:

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You don't need the account number - just provide them with your personal details.

With regards to the CCJ you should be able to claim the charges back - just be aware that it may be taken as a payment against the CCJ.

  • Haha 1

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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Thanks Rory,

 

Even if they took it as payment that would be fantastic to have that debt cleared as although I'm not chased for it anymore I don't like the thought that I have unpaid debts out there.

 

Would you know what address I would contact regarding this?

 

Many Thanks

 

Fiesty xx

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The Royal Bank of Scotland

Cards Customer Services

PO Box 6050

Southend on Sea

SS99 1WL

 

Tel:0800 051 1757

 

(I wonder if RBS see the irony in the first part of their post code:) )

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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Hi,

sorry Fiesty chic for hijacking your thread, but this question is for Rory....I used to have a credit card with RBS, and paid it off, but I'm convinced that it's been closed for more than 5 years, can I still put in a claim for the charges I incurred on this old account?

 

Lush :confused:

Lush ;)

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Yes Lush you can, but you will need to use the Prescription and Limitation (Scotland) Act 1973 (as amended) 20 year rule to claim them back. You will need to do some reading in order to properly argue your claim.

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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Thanks Feisty!!

 

And to you Rory, thanks for answering so quickly...is there any reading on this website on guidance etc or canyou pointme inthe right direction of wher tostart with this?

 

Many thanks again

 

Lush ;)

Lush ;)

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Hi,

 

Robertxc has an article on the very subject. Please check this link for further info within CAG site. The other link is after a google search and gives the act. You may need help from a banana to understand the detail within the second link.

 

http://www.consumeractiongroup.co.uk/forum/scotland/41999-20-year-claim-limit.html

 

http://www.statutelaw.gov.uk/content.aspx?LegType=All+Primary&PageNumber=54&NavFrom=2&parentActiveTextDocId=1221125&ActiveTextDocId=1221125&filesize=158013

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

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

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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you are more than welcome Lush and good luck.

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

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

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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