PPI on account that has been charged to the property

[Moaninsod]

Hi all,

My wife has been going through our paperwork and found that a company that has put a charge on our property signed us up for PPI that we didn't want.

 

If we had realised that we had this PPI then we would have claimed when she was made redundant which was the cause of the debt in the first place.

 

I was just wondering if we can get the charge off the property as the figure the of charged us would be incorrect as they have this PPI included in the costs.

 

Before anyone says...

Yes it was our own fault for not reading the paperwork correctly in the first place:-(

 

Thanks in advance

[dx100uk]

i wouldn't think so

 

you can certainly reclaim that PPI though

 

tell us about the debt a bit

 

what was it all about

 

etc etc

 

and who got the CCJ and the CO?

 

did you know about them first?

 

get any paperwork you were being taken to court?

 

name names too

 

dx

[Moaninsod]

Hi DX

The company is Creation Finance which I beleive are a DCA .

 

The Debt was for a personal loan for a car from Carcraft in Birmingham (which was rubbish and completely failed in just over 2 yearsand carcraft

would not honour the extended warranty they talked my wife in to).

 

The debt is in my wifes name and we did not realise we had this PPI on until recently.

 

The car was purchased about 8 years ago

 

Originally the car was around 5K but the charge is for 18K

[dx100uk]

wow you got royally stitched up didn't you.

 

maybe better to start a new thread on the PPI issue.

 

did you know bout the court claim

did she get forms before they got the CCJ?

 

£18K for a £5k car, is really a stitch up.

 

dx

[Moaninsod]

Thx again DX

We didn't receive the court forms before she got the CCJ.

 

I think they sent them to an old address,

however we got the charge put on our current property.

 

If I had known they were taking it to court then I would have gone and fought it.

 

Unfortunately I got some advise on another site which has now closed down which advised me not to bother fighting the charge on the property as they would have got it anyway.

 

With the benefit of hindsight I would have gone to court but didn't know of this site at that time

[dx100uk]

Thx again DX

We didn't receive the court forms before she got the CCJ.

 

I think they sent them to an old address,

however we got the charge put on our current property.

 

If I had known they were taking it to court then I would have gone and fought it.

 

Unfortunately I got some advise on another site which has now closed down which advised me not to bother fighting the charge on the property as they would have got it anyway.

 

With the benefit of hindsight I would have gone to court but didn't know of this site at that time

 

if the paperwork was sent to the wrong address you should get it set aside.

 

when was the CCJ taken out against you and by whom..creation finance or a DCA/solitor?

 

have you a copy of the CCJ?

 

dx

[dx100uk]

Hi,

 

RBS have a charging order on my property. I reclaimed the PPI and they have offset against what was owed (I got the interest though) and subsequently the balances on my Credit file reflect the reductions. Additionally, the DCA have written and confirmed the new amount outstanding, and are still suggesting calling and getting a further reduced settlement figure/arranging a monthly plan.

I presume that you cannot reduce the judgement order per se, but maybe they should update as part settled?

 

Anyway, all this is academic until you make your claim, so go for it and i hope that you win.

 

Good luck!

 

urm.. if a dca is offering a discount on a CCJ, something is very wrong here.

were they the ones that took you to court?

 

have you your own thread?

 

dx

[Moaninsod]

The CCJ was taken out by a company called open and direct. I beleive the y than either sold the debt to Creation Finance or Creation could possibly be a subsidury company. We have not got a copy of the CCJ

[cbd13]

urm.. if a dca is offering a discount on a CCJ, something is very wrong here.

were they the ones that took you to court?

 

have you your own thread?

 

dx

 

Sorry, it was their solicitors Irwin Mitchell not a DCA. The wrote saying although the CO in place RBS still would like to resolve the matter, and to call to discuss a settlement figure or payment plan.