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My wife has a CCJ from 2009 that has been through the high court.
The first we were aware of this was around 18 months ago when a bailiff knocked at our door. We had moved twice since this went to court and were not aware it. he problem comes from that "initial" contact.
The bailiff asked for my wife lets say Mrs Smith who was not in, i advised i was her husband and asked how I could help. He went on to give me the details of the court order, balance, reason for it, dates defending company ext. He insisted on a payment today and an arrangement going forward. I paid £50 on the spot and £50 a month for over a year. all this came from my own bank account.
I know the balance was around £1400 when i started making the payments so when i believed it was near an end i called them and obtained the current balance, the number of payments ext. I was unhappy to find that due to the charges and interest i still owed them £1600. I complained about this and asked for more details. I was given details of the overall charges and interest rate on the phone. I asked her to break down the charges and this is where it gets interesting. I was advised she couldn't give any more details as i was not authorized on the account. That it was just in Mrs Smiths name and I needed to get a letter of authority.
We have since complained to them about this reach of DPA and have got nowhere. They keep telling us that third parties can make payments and that i did this of my own accord. W have pushed and pushed and they keep threatening further action if we don't keep paying.
They have clearly broken DPA on numerous occasions. Have not responded to our complaints and are so passive about the whole thing. What can i do about this?
The first we were aware of this was around 18 months ago when a bailiff knocked at our door. We had moved twice since this went to court and were not aware it. he problem comes from that "initial" contact.
The bailiff asked for my wife lets say Mrs Smith who was not in, i advised i was her husband and asked how I could help. He went on to give me the details of the court order, balance, reason for it, dates defending company ext. He insisted on a payment today and an arrangement going forward. I paid £50 on the spot and £50 a month for over a year. all this came from my own bank account.
I know the balance was around £1400 when i started making the payments so when i believed it was near an end i called them and obtained the current balance, the number of payments ext. I was unhappy to find that due to the charges and interest i still owed them £1600. I complained about this and asked for more details. I was given details of the overall charges and interest rate on the phone. I asked her to break down the charges and this is where it gets interesting. I was advised she couldn't give any more details as i was not authorized on the account. That it was just in Mrs Smiths name and I needed to get a letter of authority.
We have since complained to them about this reach of DPA and have got nowhere. They keep telling us that third parties can make payments and that i did this of my own accord. W have pushed and pushed and they keep threatening further action if we don't keep paying.
They have clearly broken DPA on numerous occasions. Have not responded to our complaints and are so passive about the whole thing. What can i do about this?
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