10yr old CL Finance CCJ for YB Credit Card - whom i pay keeps changing!!

[Determined100]

Hi Forum!

 

Am hoping someone may be able to offer some advice.

 

Following period of very difficult times late 90's/early 00's

- I negotiated (and, over many years, completed) payment arrangements with most of my creditors to clear substantial accumulated debts over £40k

- fortunately avoiding bankruptcy/IVA's etc.

 

However, whilst moving house in 2007, I got issued with a CCJ

- and slightly unsure who the creditor was!!

Sounds stupid, I know - sorry!

 

 

I have a sneaky feeling it was Yorkshire Bank - who had given up chasing me to clear £10k card debt.

 

The CCj suggested that the 'particulars of the agreement and debt had previously been provided to me' - which they hadn't.

 

In the turmoil of house move

- I foolishly just accepted the debt and returned the court forms offering to pay £20 per month etc which was accepted and CCJ issued.

 

Claimant : CL Finance Ltd. (not aware of them and had no previous dealings - but assumed they assigned the debt from someone!)

 

Pay to: Howard Cohen & Co.

No 'account numbers or references' I could recognise.

 

The years have passed and I have religiously paid the £20 per month for the last 10 years. (Mug I hear you say!)

I have never received any statement or progress report - amount outstanding etc etc.

I have moved a couple of times in last 12 years - but always on Electoral Roll/Experian etc - so definitely traceable?

 

However, I have recently become curious as to what the debt was

- and why my DD changed few years ago to 'Lewis Group' but now shows me paying 'Robinson Way'?

 

I am reluctant to write to Robinson Way and ask what this debt is

- and to whom (!)

- or was the CCJ obtained correctly

- was there PPI on the account (blimey - that would be a result!) as they could re-assess my circumstances and try to increase payments substantially

- or my greatest fear

- get a charge order against my home

- or screw my credit rating (which is now clear and very good)

 

But equally

- should I carry on paying £20 for the rest of my life (and beyond) and not know who the heck to - or what for!

 

Thoughts/advice appreciated?

 

Best, Phil

[dx100uk]

they are all the same group.

http://www.consumeractiongroup.co.uk/forum/showthread.php?416481-Cl-Finance-Lewis-Hoist-Robinson-way-next-debt-are-they-connected

CL finance are a debt buyer so nothing to do with YB at all.

 

 

have you still got the court documents

was a forthwith judgement or pay monthly

did you arrange the £20PCM via the court or direct with the claimant.

 

 

you are quite legally allowed to ask for a statement.

 

 

as for if theres PPI

contact YB

[Determined100]

Thanks for your reply dx100...

It was Judgement (acceptance) with a payment plan of £20 per month - which is what I think I offered when returning court docs - in the hope that if creditor accepted payment plan - they might not enforce CCJ - stupid me!

[dx100uk]

so PPI reclaiming time from YB

and request a statement from robbersway

[Determined100]

Will do - many thanks!

[Determined100]

Just to cover one of my earlier concerns

- is it feasible/likely that 'Robbers Way' (upon me making contact with them - saving them the effort of looking me up on E.Roll!)

that they would say after 10 years it's time to re-assess what you're paying and up the ante?

 

 

Possibly even getting a charging order on my property

- which I believe they couldn't back in 2007

but the law has now changed allowing them to do so?

 

 

Or am I misinformed?

 

 

Just worried it may be better to let sleeping dogs lie and keep fingers crossed its too much effort for them to try contact me?

[Sidewinder]

Once set and agreed through the Court process the Claimant (including where this has changed over the years) cannot demand that you pay more. They can ask nicely, but equally you can refuse and stick to the Court Order!

 

Regarding Charging Orders - probably better for others to answer but I believe that if the Judgment was obtained prior to 2012 they can only apply for a CO if you breach the payment agreement

[dx100uk]

you are meeting the judgement .

SAR time to YB get reclaiming then you can use that to offset the balance.

 

 

if you look on robbersways letters you'll see a website [robpay is it?]

use that and your account number

I think you can view the a/C online there.

[Determined100]

Many thanks all, much appreciated!

Would be rather nice to claim PPI and offset against debt - will let you know if it works!!

[dx100uk]

YB cough on PPI nicely

but might be better if you had all the statements

[Determined100]

May I ask question regards SAR's please?

 

Have tried to find info elsewhere on forum but struggling.....

 

If I issue a SAR on a bank (Santander for instance),

do I need to specify every address I may have had over last 10 years or so

- as interested in info contained against old Abbey National account etc.

 

 

Also old store cards (Currys) that would have been 10-15 years ago?

 

 

Does an SAR have any time limitation (last 6 years) for history

- and is it associated with me by NAME & DOB rather than specific addresses?

Hope this makes sense!!

 

The reason I'm concerned about address is that having spoken to Santander looking for info

- they asked me for the address for account

- I said "Flat 1, XXXX House" and they failed me on security because the address info they had on file was "1, XXXX House" - which is piggin' ridiculous!!

 

 

Equally, I may not be able to remember every 'exact' address and postcode I've had over last 15 years??

(Unfortunately there's been a few!)

[dx100uk]

just give details for what you know

the sar id for info on YOU

you don't have to state any account numbers.

 

 

its more important to prove who and where you are NOW

so don't forget the CTAX bill!!

 

 

dx

[Determined100]

Perfect - thanks dx100uk!

[dx100uk]

if you can prove its SB'd the claim is DEAD.

in Scotland once SB'd the debt is totally extinquished

[Determined100]

Unfortunately - on the York Bank CCJ - I've found a substantial payment 4 years before the CCJ - so SB'd not poss

[dx100uk]

if you can prove its SB'd the claim is DEAD.

in Scotland once SB'd the debt is totally extinquished

 

 

ignore me posted that to the wrong thread