New CCJ Noticed on file

twhitehousescat

possably better in this forum https://forums.moneysavingexpert.com/forumdisplay.php?f=257

however , 2007 bought DEBT , so it must have defaulted before that date

but the question remains "as they've added that they received payments up until April 2017 when they stopped. " , did you pay them upto that date or NOT

Umkomaas

While they're not much good with private parking cases (we never recommend them for that purpose), but I wonder if the CAB might be able to help, or can point you in the direction of some potent help.

As I said earlier, even if you can, paying this off now hardly improves your credit status - you're stuck with it for 6 years. But if the creditor decides to enforce, you could be getting a knock on your door at 5:30am (and it's unlikely to be Santa, despite the time of year) and maybe something nasty attached to one of your car wheels.

Extankman

These are the case particulars;

"The claimant claims the sum of £5981.03 for an outstanding debt owed. On 31/12/2007 the defendant entered into an agreement with Welcome Financial Services Limited for a bank loan under ref XXXXXXX. On 02/02/2011 the defendant defaulted on the agreement with an outstanding balance of £5981.03. On 28/03/2013 the debt of £7357.40 was assigned to Aktiv Kapital portfolio AS, Oslo, Zug Branch, who itself assigned the debt to PRA Group UK limited on the 31/12/2014. Notices of assignement were sent to the defendant in accordance with S136 Law of Property Act 1925. PAyments of £1376.37 were recieved up to 10/04/2017. And the claimant claims 1. The sum of £5981.03. "

This loan was not a bank loan, it was finance for a car. The car was repossessed way back in 2010 and no further contact from welcome was ever recieved. Back in Feb 2014 an offer to settle was made and was refused by Aktiv Kapital, the old DMP company can confirm this. In Nov 2015 the DMP company approached the debt holder to ask for a copy of the loan agreement which they could not supply. Initially it looks as if I was making payments as part of my DMP, then an offer was made, which was refused, then it came to light that they hadn't provided a copy of the agreement and so it was stopped and then in the amount of debts i had its obviously slipped under the radar after being sold on and been added to my DMP as starting payments again until i stopped using a charging DMP company and went with Stepchange, who coincidentally don't have it on my list of creditors,none of these company names is even on my credit file.

twhitehousescat

" Back in Feb 2014 an offer to settle was made and was refused by Aktiv Kapital, the old DMP company can confirm this. "

dont forget to thank Aktiv Kapital, the old DMP company for reopening a can of worms , the origional default date was back in 2011 , and would have run out (6 yrs) in 2017 , Aktiv Kapital, have reset the 6 yr clock , and must be thanked

Extankman

So have PRA Group now reset that clock also as they were receiving payments up until 10/04/17?

twhitehousescat

you need to as old DMC and stepchange what the hell where they doing

Extankman

Sorry i don't get what you are trying to say here

Castle

Extankman wrote: »

So have PRA Group now reset that clock also as they were receiving payments up until 10/04/17?

It would have done as it's 6 years from date of last payment, but it's probably not relevant now since they have a court judgement.

Extankman

twhitehousescat wrote: »

you need to as old DMC and stepchange what the hell where they doing

Sorry this one i don't understand?

I'm also assuming that as i've made payments that i have accepted that i owe the loan? I really don't know what to do about this, i would have thought that the sale of the car would have offset some of the loan repay required but as i've no paperwork from Welcome, Aktiv or PRA regarding this i have no idea of the breakdown. Can i ask for a SAR and if so will it help in any way?

Extankman

twhitehousescat wrote: »

you need to as old DMC and stepchange what the hell where they doing

Sorry this one i don't understand