Thanks, I was thinking of going down the route of a set aside as the judgement amount being incorrect.

The CCJ was awarded in 2004 by default. Their solicitors have come up with the dates that the charges were supposedly added to the account, but they had never appeared on my statements and if they were added on now the statements would not add up as no interest would have been added to charges. Thanks

I have sued a accountancy company for money I paid for services not completed which I won. The baillifs have said that they have spoken to the owner who says they have changed names. He was a partnership but now seems to be going it alone. How does that affect my court claim?

Can anyone answer this; if an account is defaulted but the default amount is incorrect can the said default be removed for being inaccurate.

Can anyone advise me on this?

Could you please email me a copy.

The accounts will have been defaulted before they were sold, whether it was done to procedure is another matter. You may be lucky in the fact that it sounds like the accounts have been sold on but not defaulted by the new owners, if this is the case then it should be in theory easier to get them removed. What you need to do is get in touch with the CRA's (Credit reference agencies) and tell them that the accounts have been sold so the information should be removed. Try this first, if they refuse to remove the defaults then it would be time to play hard ball. This process can take up to a month by this time you will have learnt enough from this site as to what to do next. By the way I am in a similar position but my account was sold to CABOT who have also defaulted me for the same account. I am currently awaiting some answers to more questions on this subject which I posted yesterday, follow my posts to see what answers / suggestions have come back.

Hi, currently I am up against Blackhorse who have entered a CCJ against my name. When they received judgement I did not know that they had added £175 in late fees even though my statements have never shown any late fees. They have offered part payment with enclosed cheque but when I looked in the letter there is no cheque. This seems to be one of their games. My question is :- should I go to court for the fees then attempt to have the CCJ overturned or should I just go straight for the CCJ overturning stating incorrect figure due to unlawful / added fees before judgement? Thanks

Hi Drob, how did you get on? I too had a part offer of payment which surprise surprise when I too opened the letter the cheque did not exist. This is obviously some stupid frustrating tactics they use to get you to give up. I will be starting my own thread so I can more advice on the CCJ removal.

I was reading Debt mountains thread and DM mentioned how his credit file was cleaned up by contacting the CRA's directly. This is exactly the position I am in with the CRA's processing old data which I need to be removed. My question is, how was it possible?

Sorry, I didn't receive anything like that from Barclaycard and nothing at all from Cabot which really isn't a surprise. Both these companies have defaults against me for the same sold on debt which was settled a long time ago. Barclaycard has consistently refused to remove it even though they had sold it on which hopefully should make the job easier if it goes to court.

Hi DM and well done. I am back after a break away studying and I can see how things have progressed. Cabot are on my list of companies to deal with having placed a default on my credit file. The next stage for me is court so I will be asking for help with my POC since I haven't completed one before for a default removal. By the way, what has happened to the Cabot fan club?

Me too, I have just back to sorting out my file and would definitely be interested in what is going on. I am sick of the CRA's lack of responsibilty when it comes to the incorrect information they report for everbody to see. The relation of the banks and CRA's is way too close for comfort. This may sound controversial but i think the sub-prime market has been boosted the profits of the banks by this very thing. The banks profits increase when you can not get a decent mortgage / loan because of incorrect information, but then you have to go to a sub-prime lender who is another financial arm of the banks who have just rejected you for a loan, but you pay a much higher interest rate for the same loan. So the CLIENTS of the CRA's profit even more.

I am watching this thread closely as I currently in a battle with barclaycard r.e. default and will soon be preceding against Cabot and their default on same account. The case against Barclaycard is next wednesday so I have probably missed the opportunity to claim for inaccurate data, but I will be looking to have a proper go at Cabot.

Hi, I am the same boat as you guys, £175 added after the CCJ was given. Spoke to someone today about PPI and also about the charges added after the CCJ. His explanation was "that was the way our client did their business". I was asked to fax in my letter so will do tomorrow, but it does sound like you guys have had a lot of success.

Hi, from what I have read regarding bank charges you can request how you want the settlement to be paid. To me it sounds like it would be more work for them to reimburse yourself and to recalculate monthly payments than to simply cut the number of monthly payments. Come to think of it, would they have to rewrite a new loan if the monthly payments are to change? Just a thought hopefully someone else can answer. I am curious as to the background to this claim and how you got to this position.

Hi, I am about to issue an N1 to my old accountant for a refund of money paid for services he has not done. The mistake was paying him monthly for services instead of at the year end. The N1 will include refund of payments, wasted time (travelling to his office ten miles away because he would not return my calls) and a £100 fine from the revenue for failing to get my returns in on time (had to use another accountant). My question is, is there are anything legal I have to put on the claim or it is simply as below: 1 The claimant had an agreement with the defendant in respect of accountancy services 2 The Claimant paid for the accountancy services in monthly installments 3 The Defendant has failed to complete on the agreement regarding said accountancy services. 4 The Defendant has failed to complete on the agreement on three self imposed deadlines 5 The Defendant verbally agreed to reimburse the cost of travelling to the accountancy office. 6 The Claimant requests refund in respect to paid installments to the value of ??. 7 The Claimant requests refund in respect to wasted travel costs of ??. 8 The Claimant requests refund in respect to fine imposed by the Tax office due to late filing to the value of £100 Is this any good? Thanks in advance

Hi, I would also like to know how it is calculated especially when it is front loaded on to a loan.

Hi I am currently getting back on track to sort out several PPI claims. The advice I previously read was to initially go through the Financial Ombudsman. My question is what responses have people had from the Ombudsman? Have they been helpful in sorting out the claim? Just thought it may be useful to know how helpful they are or not as the case may be.

Hi, how are you getting on with Black Horse.I am just about to start my case against them. Have you had any joy?

I have started back on the site so I am reading as much as possible to see what is going on. My case is actually in the position to be sent to the courts, but I want to do it right with no silly mistakes. When I send in my claim I will use Cabot UK previously known as Kingshill, or something to that effect.

Thanks for the reply, I have started a query with the credit reference agencies to see if I can get it removed quicker as I am looking to change my mortgage. This case has been allocated to the courts for a hearing on the 12/12/07. I am surprised that Barclaycard are being so stubborn when they had obviously sold the debt on.

If anyone can help me with the questions below I will be eternally grateful. I have had four defaults on my record 1. citifinancial 2. barclaycard 3. KINGSHILL / CABOT 4. abbey 1. citi have finally removed the default but have replaced it with the account record which shows I missed 5 payments. (this is from an account I have in writing from Citi that they have no record of, so how do they know I missed five payments) 2 and 3 are for the same account sold to KINGSHILL / CABOT, barclaycard refuse to remove default even though they sold account. Court claim sent in. Kingshill / Cabot we all know about them. Currently reading posts court action imminent. (both parties failed to supply true agreement) 4. Luckily this one had run its course and now has just fallen off my record due to 6 year limit. In the last month between citi and abbey nearly £5000 pounds worth of defaults have been removed which is great as I am looking for a better mortgage than the extortionate one I have at the moment. My questions are a. should I query the citi account on the fact that they have removed default but replaced with account transactions even though they state they had no records? b. is it correct that when an account is sold with default the seller should remove default? c. is it legal that a DCA can insert a default in their name when they buy an account even though you have not defaulted with them or have no knowledge of them? d. has anybody actually taken a DCA to court especially KINGSHILL / CABOT for ddefault remopval and won? Thanks in advance

I have had four defaults on my record 1. citifinancial 2. barclaycard 3. KINGSHILL / CABOT 4. abbey 1. citi have finally removed the default but have replaced it with the account record which shows I missed 5 payments. (this is from an account I have in writing from Citi that they have no record of, so how do they know I missed five payments) 2 and 3 are for the same account sold to KINGSHILL / CABOT, barclaycard refuse to remove default even though they sold account. Court claim sent in. Kingshill / Cabot we all know about them. Currently reading posts court action imminent. (both parties failed to supply true agreement) 4. Luckily this one had run its course and now has just fallen off my record due to 6 year limit. In the last month between citi and abbey nearly £5000 pounds worth of defaults have been removed which is great as I am looking for a better mortgage than the extortionate one I have at the moment. My questions are a. should I query the citi account on the fact that they have removed default but replaced with account transactions even though they state they had no records? b. is it correct that when an account is sold with default the seller should remove default? c. is it legal that a DCA can insert a default in their name when they buy an account even though you have not defaulted with them or have no knowledge of them? d. has anybody actually taken a DCA to court especially KINGSHILL / CABOT and won? Thanks in advance

Thanks for the quick reply. My situation is that I have CCA'd both Cabot and Barclays and they both have come up with nothing. Yesterday I sent my court claim in for Barclays which includes charges and default. I am currently reading through your posts to see where to go with Cabot. Looks like you've been doing some extremely valuable work. Well done.