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  • FIRST POST
    • nikkim2175
    • By nikkim2175 16th Mar 18, 8:37 AM
    • 22Posts
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    nikkim2175
    Onesys Financial Limited
    • #1
    • 16th Mar 18, 8:37 AM
    Onesys Financial Limited 16th Mar 18 at 8:37 AM
    Hi,

    I had a payday loan with Onesys Financial Ltd (get a payday loan fast). They got a CCJ against me and then went into liquidation so the liquidators and now receiving 10 a month from me. The loan was for 260 including interest which I have paid more than this amount now but the balance they said I owed was for more than 1000. Does anyone know where I would stand in not repaying any more of this debt? The CCJ is nearly 4 years old now.
Page 1
    • poppasmurf_bewdley
    • By poppasmurf_bewdley 16th Mar 18, 10:05 AM
    • 5,260 Posts
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    poppasmurf_bewdley
    • #2
    • 16th Mar 18, 10:05 AM
    • #2
    • 16th Mar 18, 10:05 AM
    How much was the CCJ for?

    Further amounts cannot be added once the CCJ has been granted without the permission of the court.
    "There are not enough superlatives in the English language to describe a 'Princess Coronation' locomotive in full cry. We shall never see their like again". O S Nock
    • sourcrates
    • By sourcrates 16th Mar 18, 10:53 AM
    • 15,252 Posts
    • 14,354 Thanks
    sourcrates
    • #3
    • 16th Mar 18, 10:53 AM
    • #3
    • 16th Mar 18, 10:53 AM
    You would be liable for the outstanding balance of the loan, plus interest till it was settled, plus there court costs.

    It should say on the judgement how much you are required to pay, i am guessing this was before regulation of interest charges was introduced, so basically they could charge what they liked in respect to interest.

    Once a CCJ is obtained, you cannot challenge the amount unfortunately.
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    • nikkim2175
    • By nikkim2175 16th Mar 18, 11:41 AM
    • 22 Posts
    • 4 Thanks
    nikkim2175
    • #4
    • 16th Mar 18, 11:41 AM
    • #4
    • 16th Mar 18, 11:41 AM
    Thanks for the replies, Guess Ill have to suck this one up and just keep paying then.
  • National Debtline
    • #5
    • 16th Mar 18, 2:05 PM
    • #5
    • 16th Mar 18, 2:05 PM
    Hi nikkim2175


    You need to check how much the original CCJ was for. Interest cannot be added to a payday loan after a CCJ has been made unless there is a specific term in the loan agreement that allows this. For CCJs made after 1 October 2008 there are extra rules, including the need to send you a notice telling you they intend to add interest, and having to send a new notice to this effect every 6 months.


    Make sure you're keeping track of your payments, once the CCJ has been paid you should paying. If they try to hold you liable for anything more than the amount of the original CCJ get some specialist debt advice from one of the free agencies.


    If you dispute the balance of the CCJ itself, that is something you should have challenged at the point you responded to the court claim. Unfortunately it would be difficult to do anything about that at this stage.


    Susie
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • nikkim2175
    • By nikkim2175 5th Jul 18, 10:40 AM
    • 22 Posts
    • 4 Thanks
    nikkim2175
    • #6
    • 5th Jul 18, 10:40 AM
    • #6
    • 5th Jul 18, 10:40 AM
    Looks like someone in this company has taken my money fraudulently. I made monthly payments to them from 01/08/2014 and the liquidators have never received the money. They sent me an email in Nov-14 asking me to change the bank details and it looks like someone has done that to all the debtors and its been going to someones personal account!
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