CCJ issue

[hellotoall]

Re: CCJ issue

When did they stop adding charges to the account,was this September 2009 or October 2008.

I am not fully aware of these facts sorry, i dont have any statements form then

[nemesis45]

Re: CCJ issue

Personally I'd get those dates sorted.
For Clarification Statute Barred in England & Wales = 6 clear years with no payments or unequivocal written acknowledgment of the debt,
any relevant contact i.e. a payment to the account, written acknowledgment, restarts the clock from zero, any court claim issued during the relevant 6 year period stops the clock.

As this is an OD account the start of the SB clock will be the date the first Formal Demand for Payment was received by you (simplistically the default date) which will be some time after the Formal Demand.)
What is the date of the Claim???
So was the claim made within the relevant 6 year period.
Set aside applications a considerable time after judgement may well fail.

nem

[hellotoall]

Re: CCJ issue

Personally I'd get those dates sorted.
For Clarification Statute Barred in England & Wales = 6 clear years with no payments or unequivocal written acknowledgment of the debt,
any relevant contact i.e. a payment to the account, written acknowledgment, restarts the clock from zero, any court claim issued during the relevant 6 year period stops the clock.

As this is an OD account the start of the SB clock will be the date the first Formal Demand for Payment was received by you (simplistically the default date) which will be some time after the Formal Demand.)
What is the date of the Claim???
So was the claim made within the relevant 6 year period.
Set aside applications a considerable time after judgement may well fail.

nem

the claim is nov 2014

how would I get info as to when this formal demand was issued?

so to clarify it starts from when they first demand the overdraft to be paid off, the default could have been some time after this if no payment was made

[nemesis45]

Re: CCJ issue

Yes correct, my advice phone YB quote account number and ask for the relevant dates.

[Streetwise]

Re: CCJ issue

the claim is nov 2014

how would I get info as to when this formal demand was issued?

so to clarify it starts from when they first demand the overdraft to be paid off, the default could have been some time after this if no payment was made

S.A.R. the Yorkshire bank costs £10.00.

[hellotoall]

Re: CCJ issue

Yes correct, my advice phone LLoyd quote account number and ask for the relevant dates.

LLoyd? just checking you mean yorkshire bank or if im missing something

[Streetwise]

Re: CCJ issue

LLoyd? just checking you mean yorkshire bank or if im missing something

Yes he means the Yorkshire Bank,he's trying to help so many people.

[hellotoall]

Re: CCJ issue

Yes he means the Yorkshire Bank,he's trying to help so many people.

last thing for now please, when they filled the CCJ they actually got some of the post code wrong although the address was correct (correct as in format, not correct address I lived at) does this play any part in the wrong address set aside argument

[nemesis45]

Re: CCJ issue

Sorry to say basic clerical errors wont affect anything.

nem