CCJ at old address - just discovered :(

subhuman · 2nd February 2007, 10:15

Hi,

Received a credit report from Experian yesterday, just found out I have a CCJ.

Would like some advice on what to do next - if anyone can offer some advice or has experienced this situation personally then I'd appreciate a reply.

1) Called the court found out it was an ISP (a useless one I might add) - they filed a claim for £210.66 online relating to the period 18 Dec 2004 - 21 Oct 2005.

2) It was issued at an address (on 22/08/06) that I moved from in June 2005. So obviously I didn't get a notification, nor chance to defend myself - so it looks like I have a judgement by default.

3) After doing a bit of digging, it would appear that because the judgement was served without my knowledge (ie, I didn't live there) I may be in a good position to get it set aside. I didn't receive a default notice, nor does my credit record show one (would it if they have a CCJ against me though ?)

So my question is, do I settle this debt with the original creditor prior to filling in form N244 (ie, notify the court I didn't live at the address) - or do I send the N244, wait for a decision from the court, then settle with the original creditor ?

When I phoned the court, the woman asked if 'I accepted the judgement' - it was at this point I made my excuses and explained that I would need to go away and fully investigate the situation.

Thanks,
sub.

blackrain · 2nd February 2007, 10:44

I can't help you with the CCJ but I'm guessing you don't have a default on your report because you wouldn't have had a credit agreement with an ISP. Therefore nothing to default on.

sequenci · 2nd February 2007, 16:14

get the judgment set aside (or attempt to - it is discretionary) - then clear the money owing so they cannot go for a second judgment.

more info here:

National Debtline England & Wales | Debt Advice | Factsheet 12 How To Set Aside A Judgment In The County Court

subhuman · 2nd February 2007, 16:18

Cheers, thanks for the advice. I'll post when I get an outcome!

Gingerheid · 8th February 2007, 01:25

Can I ask what ISP it is?

I'm interested as the reason I first found this forum is that I am being wrongly pursued by an old ISP too - in my case Demon through 1stCredit.

I was amazingly lucky that they sent the letter 1 week before my redirection of post ran out - despite the fact that they had my new address.

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