Ascent Legal

[mailbox]

My father [closing in on 86] Has a judgement against him in favour of the Bank of Scotland .This was in the Northampton County Court in April of 2009. He has been paying ever month since that time. He received a letter in March 2015 that had this sentence in it " we are due to complete a review of your account to ensure that the repayment plan remains affordable to you."
Can they require that if he has never missed or been late on a payment? He just lives on a pension. Ascent Legal are sending the letters thanks

[nemesis45]

Re: Ascent Legal

Yes it is allowed for a claimant to seek a review regularly.
This one seems reasonable i.e. " affordable to you".
It may well be worth writing on your fathers behalf stating his age and income, and suggesting that
Ascent takes a commercial view of the debt and writes off the remaining balance.

nem

[mailbox]

Re: Ascent Legal

I was thinking of offering a % to settle . With that money coming from me. I'll take your advice and see if they will write it off.

[nemesis45]

Re: Ascent Legal

I was thinking of offering a % to settle . With that money coming from me. I'll take your advice and see if they will write it off.

Good luck!!
I hope they see sense.

nem

[mailbox]

Re: Ascent Legal

This has taken a strange twist. We decided not to make an offer; but to continue to make the monthly court ordered payment. The bank of Scotland asked ascent legal to return the debt to them. This happened Nov 2016. Which the BOS then passed on to Moorcroft. Moorcroft requested any monies be sent to them. Which is not what the court judgment ordered.
I paid four pounds and searched the Trust Online website for England and Wales orders & judgments . The search turned up nothing? I know the name and address used in the search were correct. Could it be it's passed six years and dropped from the system? Any help welcome , Thanks

[charitynjw]

Re: Ascent Legal

http://www.trustonline.org.uk/unders...stay-on-record

County court judgments (CCJs) stay on the register for six years. The judgment will be removed if it’s paid within a month – if paid later, you can have it marked as satisfied.

County court judgments: The six year limit

Details of county court judgments remain on the register for six years from the date of judgment, unless the judgment is set aside, or the amount is paid in full within one month (see below).

Despite the promise of some credit repair agencies, there are no other ways to remove CCJs from the records.