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Urgent help required cl finance have made myself & family credit barren
Can any one help me please? any help would be appreciated, specifically to the format I should use when writing to the Court. As I understand that is all I can do in my situation.
A company called CL Finance obtained a CCJ against me without my knowledge they than attempted to obtain a charging order on my property. I applied to the court to have it set aside, claiming it was not my debt. The court agreed as no credit agreement was filed with application. CL finance stated that they had bought the debt from Statander Bank.
I had not held any Santander accounts and sore on oath the same. The court removed the CCJ. However the CCJ has been reapplied and issued by the county Court again. I have check the authenticy and it has been made by the same court.
In addition to this CCJ CL Finance have made a further entry on my credit file showing I have a live loan with them that defaults every month and they have back dated entries to 2010 thereby showing reoccurring non payment. I contacted the credit agencies and asked for the removal of this entry and stated that to just entre bank account was not lawful. To that end they replied that there client CL Finance stated it is lawful and I entered into a loan agreement. The entry on my credit file under CL Finance has now been given what looks like a generic account number.
Yesterday, I obtained a letter from Santander confirming that I have at no time ever held a bank account, loan or credit card with them.
I can no longer obtain credit neither can family members living at my address due to their association with myself. Despite my joint mortgage having being overpaid and the fix rate terms now finished I am not allowed to adjust or remortgage for favorable rates.
HSBC have down graded a Premier Account which had a overdraft facility of £15k to a basic account with no overdraft. My credit cards associated with this account have also been downgraded charging a increased interest rate from 11% to 17% and the credit limited has been decreased down to the amount owed. This removal of credit has been applied to all my credit cards.
In essence myself and my family can no longer get any credit we might as well have been made brankcrupt as that is the way we have been treated.
I understand that you can make a claim for losses against CL Finance under breach of date protection act 18.35 ( not sure if this is right ) also under the Bill of exchange Act where no agreement has been made for the transference of debt.( again not sure if this is right )
Having written to CL finance they are just ignoring me. I have to do something urgently as this company has totally destroyed me making me credit barren.
A company called CL Finance obtained a CCJ against me without my knowledge they than attempted to obtain a charging order on my property. I applied to the court to have it set aside, claiming it was not my debt. The court agreed as no credit agreement was filed with application. CL finance stated that they had bought the debt from Statander Bank.
I had not held any Santander accounts and sore on oath the same. The court removed the CCJ. However the CCJ has been reapplied and issued by the county Court again. I have check the authenticy and it has been made by the same court.
In addition to this CCJ CL Finance have made a further entry on my credit file showing I have a live loan with them that defaults every month and they have back dated entries to 2010 thereby showing reoccurring non payment. I contacted the credit agencies and asked for the removal of this entry and stated that to just entre bank account was not lawful. To that end they replied that there client CL Finance stated it is lawful and I entered into a loan agreement. The entry on my credit file under CL Finance has now been given what looks like a generic account number.
Yesterday, I obtained a letter from Santander confirming that I have at no time ever held a bank account, loan or credit card with them.
I can no longer obtain credit neither can family members living at my address due to their association with myself. Despite my joint mortgage having being overpaid and the fix rate terms now finished I am not allowed to adjust or remortgage for favorable rates.
HSBC have down graded a Premier Account which had a overdraft facility of £15k to a basic account with no overdraft. My credit cards associated with this account have also been downgraded charging a increased interest rate from 11% to 17% and the credit limited has been decreased down to the amount owed. This removal of credit has been applied to all my credit cards.
In essence myself and my family can no longer get any credit we might as well have been made brankcrupt as that is the way we have been treated.
I understand that you can make a claim for losses against CL Finance under breach of date protection act 18.35 ( not sure if this is right ) also under the Bill of exchange Act where no agreement has been made for the transference of debt.( again not sure if this is right )
Having written to CL finance they are just ignoring me. I have to do something urgently as this company has totally destroyed me making me credit barren.