Mortimer Clark - old HFC marbles card

[dx100uk]

what when there is a charging order...

 

no need.

 

they are trying to fleece the debtor

where no CCJ debt exists whereby payment was requested.

 

left arm right leg situation

 

peston royally did the debtor over.

 

time to get all the info and get reclaiming.

 

dx

[cdmonkey]

should i go to Mortimer Clark with another CCA request , they have already told me the client has not got one or SAR HFC ? even though they have assigned or substituted another party on the CCj ?

[dx100uk]

yes why not...

 

could be funny.

 

as for the sar it always goes to the OC ....HFC

 

dx

[fletch70]

No idea if this is relevant but according to the oft register phoenix recoveries CCL lapsed in march 2012.

[BRIGADIER2JCS]

The company can continue to operate while their application to renew the CCL is being prcessed which often takes a very long tim.

[fletch70]

I had a horrible feeling that that was the case.

[fletch70]

I was always told it was a waste of time and money sending a cca request for a ccj as the ccj took precedence over any agreement.

I guess though that depending on the date a lack of one could be used to get the CO and ccj set aside. Maybe some legal advice is needed.

[dx100uk]

yes but...

 

if it came to the future and it turned out there was a chance of getting this turned around

it will be needed

 

plus sadly i think HFC will put the 6yrs rule here as they ALWAYS do on dodgy cases

 

the CCJ was 2007 we dont know when the debt was take out, could be gone already

 

the key here as get as much info as possible

 

you never know when it will be needed

 

but sure as eggs is eggs

 

something big time smells here

 

dx

[fletch70]

That would be the sophisticated systems that the courts claim the banks have ha ha bloody ha.

[cdmonkey]

Hi

Sorry for delay in my reply here, my email notifications on replies seems to have stopped working.

The Debt was taken out March 2000 and Terminated April 2005

 

Thanks

[dx100uk]

so took pestons 2yrs to go for the CCJ.

 

i hope HFC still have the info

 

but me thinks thats gone in the shredder pretty quick now.

 

dx

[cdmonkey]

More nonsense from MC today.

 

I have finally got a statement of recent payments and MC have added interest to the charging order !

 

I believe any agreement under CCA 1974 with a CCJ and resulting charging order cannot have interest added ?

 

This was originally a Marbles credit card taken out in 2000

 

Any help appreciated.

[dx100uk]

correct!

 

dx

[cdmonkey]

Thanks DX !

 

I shall send MC a suitably worded letter and explain this to them.

 

They obviously just make it up as they go along !!

[dx100uk]

i'd make a spreadsheet too

 

dx

[cdmonkey]

Hi DX

Sorry make a spreadsheet ? I dont understand.

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

they have charged you int of x figure every month

 

you are entitled to it back.

 

FOSCISHEET

 

dx

[cdmonkey]

Ah thanks , sorry being slow today

[dx100uk]

did that sar go off?

 

dx

[cdmonkey]

Yes but still not signed for and its been a few days

[fletch70]

All to often you need to chase the list office up for PODs on signed for items. Particularly if they are PI boxes or mailing addresses

[cdmonkey]

Or perhaps a nice delay and then "oh dear your information is too old and we have shredded it"

[cdmonkey]

After 2 months i got REPLY ! stating there is no PPI on this account and since that is why we think you have submitted the SAR we are returning your £10, i am quite frankly astonished

[cdmonkey]

It just gets better also had the attached letter from MC today even though i wrote to them in Feb and told them they are not allowed to charge interest on a charging order resulting from a CCJ of a debt which came in CCA 1974 (no reply of course)

 

Looks like a standard mailshot to me ?

[cdmonkey]

Right file attached this time