Sheriff Court

[findingaway]

Re: Sheriff Court

Gerry I don't know how I've missed this thread but just caught up with it
Well done you & so you should be proud of yourself - you're now a 9% er
Go Gerry

Enjoy your spends:flipflop::bmulticolor2::bmulticolor3::flipf lop:
FAW

[findingaway]

Re: Sheriff Court

Gerry I've re-read all the thread & know you took on & won Nolans but would love to hear the summary of what the original reason was for court in the 1st place as I can't find it & was just reading that was the 7th hearing! Unbelievable Soooo very well done you

[Gerry]

Re: Sheriff Court

Gerry I've re-read all the thread & know you took on & won Nolans but would love to hear the summary of what the original reason was for court in the 1st place as I can't find it & was just reading that was the 7th hearing! Unbelievable Soooo very well done you

That’s a very good point FAW what a bloody numpty I am. I didn't post the details as I had emailed Niddy in a panic when i received court summons.

It was a statute barred debt that was written off by Black Horse the original creditor and Hillesden Securities claim to have purchased the debt.

• I had been in continuous contact with Black Horse regarding dispute re interest charges and settlement figure for Secured Loan. I took it to F.O.S. they upheld my complaint in January for over £5,000.

• I have a letter from BH legal department advising me that Secured Loan was the only agreement outstanding with BH.

• Hillesden Securities provided a dodgy debt assignment dated 14th January 2007 and the debt had escalated from £2245 up to £4,500.

• I allegedly made a payment towards this debt with Hillesden Securities in July 2007, bullshit as I had never heard of them until I received court summons. They couldn’t provide any proof of this alleged payment.

• I sent them a SAR request and they sent a copy of letter dated August 2007 which was apparently to advise me that debt had been assigned to them. (the other debt assignment was dated 14th January)

• This letter also stated that I should inform them when I would be making my first payment. A very strange request considering they claim that I had made a payment the previous month.

Isn’t it pathetic I appeared at court 7 times, however didn’t get the opportunity to produce any of this evidence about their dodgy antics as they abandoned the case on the day of Proof Hearing.

Gerry x

[MrsD]

Re: Sheriff Court

unbelievable timeline, they should be black burn ashamed, nothing but dodgy crims, pity you didn't get to name and shame. i suppose there is always the daily record....................

[Gerry]

Re: Sheriff Court

unbelievable timeline, they should be black burn ashamed, nothing but dodgy crims, pity you didn't get to name and shame. i suppose there is always the daily record....................

Aye but I dont fancy my face and personal details plastered over page 3. I might need to aim a bit higher up the ladder than the press.


Gerry x

[MrsD]

Re: Sheriff Court

the telegraph????

[Gerry]

Re: Sheriff Court

the telegraph????

Cheeky bugger!!!!

[MustGetStraigh]

Re: Sheriff Court

Surely not The Guardian?

[Gerry]

Re: Sheriff Court

Surely not The Guardian?

Yeah Guardian Angel..

[MrsD]

Re: Sheriff Court

Cheeky bugger!!!!

the telegraph like a bit of bean spilling on neferious goings on, remember the Mps expenses...............

[Gerry]

Re: Sheriff Court

the telegraph like a bit of bean spilling on neferious goings on, remember the Mps expenses...............

Did you hear that another 170 people have resigned since Mike Dailly resigned from the Law Society's Council. Shit's hit the fan for the Scottish Law Society!!!

[MrsD]

Re: Sheriff Court

on past family experience, they were never much cop anyway
nefarious will changing antics of Dopey Auntie!!

[Gerry]

Re: Sheriff Court

on past family experience, they were never much cop anyway
nefarious will changing antics of Dopey Auntie!!

Me thinks Mr Dailly has opened big can of worms....

[findingaway]

Re: Sheriff Court

Thanks for that Gerry
I've got a couple of things going on with Hillesden so I'll be on the look out for shady antics, at the mo they just keep sending letters saying still waiting for CCA's & I'm happy to wait

My story - I've got a CCJ from RBS that I'm looking to apply for set-aside. When I was ill I buried my head & didn't open/destroyed mail so it was a shock when I got my credit files last yr & I had a CCJ. My GP has said he'll give me a letter of support for the court's. The real shock though was what it was for. A few yrs ago I had a mortgage that was also my current acct plus 2 loans from RBS. When we changed mortgage supplier's the acct was closed. The loans had no acct to service them so we had to pay to credit management in Scotland. Timeline:-

January 2006 - made an arrangement to pay with them & paid the 1st one by dc, I thought the other was in my husband's name but they said it was mine so I rang back the day after to arrange payment & was told the amount they'd agreed was for both. I'd thought I'd to pay more due to the missing time since current account closing & new set up but originally they were £136 & £97 mth so the £250 they'd agreed was adding a bit on anyway. I then gave them my new bank details for the dd to be set up.

February 2006 - I checked my bank acct & no payments were made to them so I rang & was told they'd never set a dd up as they couldn't do that over the phone! So why did you take my details?? I paid with dc what was owing. About a week after I checked my credit file & they'd placed a default marker on it! Don't remember being sent any notification.

April 2006 - Checked credit files again (at the time i had an annual thing) & had the same 2 loans on it under a dca too - so it looked as if I had 4 defaults! Rang RBS & they said they would remove. I also asked for a redemption figure as we were in process of selling a house & would be able to pay them off.

June 2006 - Paid amount they'd said to redeem. When I checked files a couple of weeks later everything was still on!! I wrote to them before going away for a week & when I got back a letter was waiting saying "my comments had been noted & they were in the process of arranging for my credit files to be amended to "satisfied" with the all cra's. Please accept our apologies for any distress you feel has been caused."

August 2006 - Checked file & 3 had been removed & just one left saying satisfied -phew!

That's it I had no idea at that time how defaults could harm & it was important as at the time we had 2 properties that we had as buy-to-lets & also had bought one to refurb & sell (which we had) & we'd intended setting up a property refurb business. However, when we tried to buy another we found it difficult cos of the defaults. Prior to that we'd been squeky clean. Anyway the rest as they say is history.....

In March 2007 I went into meltdown, docs don't call it a breakdown now but that's what it was I can see it now but at the time I couldn't just kept crying, not sleeping & scared all the time. I tried to hide how bad things were getting (finance was always dealt by me OH didn't have a clue) stopped opening mail etc then slowly I started to feel a bit better & last yr decided I needed to address some of my fears (i.e; debts) so contacted CCCS who in turn advised me to get a copy of my credit files & hey presto this CCJ!

Current timeline:-
August 2010 - OH writes to RBS detailing just found out about ccj, letter from them re wrong accts removed from files etc, asking for them to let him know how could they have got a ccj as the credit files of Aug 2006 (luckily I used to be organised & kept things) clearly showed only 1 account with RBS & it was satisfied.

September 2010 - Still no response & follow up letter sent. Then he rang & was told to ring Regal, he said no he wanted to speak to them (RBS) they said they'd put him through to the right dept & put him through - to Triton! he said he wouldn't speak to them but they said they had his letter but he needed to speak to Regal, he said he wouldn't so they put him on hold while they did & came back & said they were sending proof that there was a debt.

October 2010 - Received a letter from RBS saying they write concerning a request for a copy of the loan agreement (never asked for one!) but our branch have advised they are unable to locate it! (some good news) They enclosed a screen shot to show that the amount was credited to the account (never in question- muppets)

That's where we're at so I think I have a good case for set-aside & as they've admitted there's no agreement don't think they'll pursue it again. It's important now as I want to start a SW franchise & passed the interview only to be rejected on the credit check. I rang them a couple of weeks agao & it was because of the ccj (bit of a bummer really - ccj was added in Aug 09 I applied for franchise Sept 09 ) I didn't know at the time I thought it must've been for defaults, I only found out about the ccj after I contacted CCCS last yr & they said to get credit files! if I could get this off i think I should be ok as all defaults will be more than 3 yrs this yr & everything current is up to date.

I'm a bit scared though, but that's why I've been watching all the court scenario's - trying to get empowered!

Thanks for listening FAW

[Gerry]

Re: Sheriff Court

Thanks for that Gerry
I've got a couple of things going on with Hillesden so I'll be on the look out for shady antics, at the mo they just keep sending letters saying still waiting for CCA's & I'm happy to wait

My story - I've got a CCJ from RBS that I'm looking to apply for set-aside. When I was ill I buried my head & didn't open/destroyed mail so it was a shock when I got my credit files last yr & I had a CCJ. My GP has said he'll give me a letter of support for the court's. The real shock though was what it was for. A few yrs ago I had a mortgage that was also my current acct plus 2 loans from RBS. When we changed mortgage supplier's the acct was closed. The loans had no acct to service them so we had to pay to credit management in Scotland. Timeline:-

January 2006 - made an arrangement to pay with them & paid the 1st one by dc, I thought the other was in my husband's name but they said it was mine so I rang back the day after to arrange payment & was told the amount they'd agreed was for both. I'd thought I'd to pay more due to the missing time since current account closing & new set up but originally they were £136 & £97 mth so the £250 they'd agreed was adding a bit on anyway. I then gave them my new bank details for the dd to be set up.

February 2006 - I checked my bank acct & no payments were made to them so I rang & was told they'd never set a dd up as they couldn't do that over the phone! So why did you take my details?? I paid with dc what was owing. About a week after I checked my credit file & they'd placed a default marker on it! Don't remember being sent any notification.

April 2006 - Checked credit files again (at the time i had an annual thing) & had the same 2 loans on it under a dca too - so it looked as if I had 4 defaults! Rang RBS & they said they would remove. I also asked for a redemption figure as we were in process of selling a house & would be able to pay them off.

June 2006 - Paid amount they'd said to redeem. When I checked files a couple of weeks later everything was still on!! I wrote to them before going away for a week & when I got back a letter was waiting saying "my comments had been noted & they were in the process of arranging for my credit files to be amended to "satisfied" with the all cra's. Please accept our apologies for any distress you feel has been caused."

August 2006 - Checked file & 3 had been removed & just one left saying satisfied -phew!

That's it I had no idea at that time how defaults could harm & it was important as at the time we had 2 properties that we had as buy-to-lets & also had bought one to refurb & sell (which we had) & we'd intended setting up a property refurb business. However, when we tried to buy another we found it difficult cos of the defaults. Prior to that we'd been squeky clean. Anyway the rest as they say is history.....

In March 2007 I went into meltdown, docs don't call it a breakdown now but that's what it was I can see it now but at the time I couldn't just kept crying, not sleeping & scared all the time. I tried to hide how bad things were getting (finance was always dealt by me OH didn't have a clue) stopped opening mail etc then slowly I started to feel a bit better & last yr decided I needed to address some of my fears (i.e; debts) so contacted CCCS who in turn advised me to get a copy of my credit files & hey presto this CCJ!

Current timeline:-
August 2010 - OH writes to RBS detailing just found out about ccj, letter from them re wrong accts removed from files etc, asking for them to let him know how could they have got a ccj as the credit files of Aug 2006 (luckily I used to be organised & kept things) clearly showed only 1 account with RBS & it was satisfied.

September 2010 - Still no response & follow up letter sent. Then he rang & was told to ring Regal, he said no he wanted to speak to them (RBS) they said they'd put him through to the right dept & put him through - to Triton! he said he wouldn't speak to them but they said they had his letter but he needed to speak to Regal, he said he wouldn't so they put him on hold while they did & came back & said they were sending proof that there was a debt.

October 2010 - Received a letter from RBS saying they write concerning a request for a copy of the loan agreement (never asked for one!) but our branch have advised they are unable to locate it! (some good news) They enclosed a screen shot to show that the amount was credited to the account (never in question- muppets)

That's where we're at so I think I have a good case for set-aside & as they've admitted there's no agreement don't think they'll pursue it again. It's important now as I want to start a SW franchise & passed the interview only to be rejected on the credit check. I rang them a couple of weeks agao & it was because of the ccj (bit of a bummer really - ccj was added in Aug 09 I applied for franchise Sept 09 ) I didn't know at the time I thought it must've been for defaults, I only found out about the ccj after I contacted CCCS last yr & they said to get credit files! if I could get this off i think I should be ok as all defaults will be more than 3 yrs this yr & everything current is up to date.

I'm a bit scared though, but that's why I've been watching all the court scenario's - trying to get empowered!

Thanks for listening FAW

What a nightmare you've been through FAW, I've got loads of adverse info on Hillesdens. Have you ever received a call or mesg from a company called sprint? they're part of hillesdens/dlc (and their chicken farm next door).They leave a strange mesg on my answering machine to contact them urgently regarding a manufactors problem with my car. Dirty B's they'll try anything to get your attention. Give me a shout if you need any help.

Gerry x