Hey all

Firstly If this isn’t in the right thread could it please be moved to the right one.

back in 2011 I was made bankrupt and over the years I’ve randomly checked my credit file but didn’t bother to much due to the bankruptcy.

Ive done it this week for the first time in a year to see if my BR had come off of which it has which pleases me.

Howver i then spotted I had a CCJ issued against me in May 2017 from a property I moved out of in Feb 2013 !

I remember the bill for £1500 to a housing association which I disputed and was told it was dealt with and that’s it and not to worry.

This was in 2013, so to my horror I’ve now got a CCJ for £1500 which for four years I’ve heard nothing from them, no letters or phone calls

Where do I stand on this, I’ve known nothing about it until today

probably ground rent or maint costs?

who told you it was sorted?

phone northants bulk tomorrow

ask for a copy of the Claimform And the CCJ by email PDF

I was allowed to install a wood burning stove which they had covered the chimney up

I installed one and it was signed of by a specialist to say it was safe

Apparently it was repairs for this when I first asked and it was that I disputed due to them saying it was fine for me to install one as they ripped the old one out of which they agreed and the bill was dropped

Who’s northants bulk?

urm interesting

bet ofcourse you've no record of all this in writing.

is the claimant def named on the credit file?

id still ring northants as above

I did as I had to write to them and send safety certificates, but obviously I left there four years ago so don’t have the paperwork now

I recognise the amount and having had a bankruptcy against me I had no other debts except things like mobile phone but that was it. When the BR happened I made sure never to get into debt again as to make a fresh start when the BR ended so I know it’s the housing association

What can I do if it is them

I’ve just checked. It doesn’t mention them. Just case number, my name, my old address from four years ago and the date of May 17 when the ccj was issued

Tell a lie. Just found it. Cabot Financial

then its not that

this will be a civil credit debt

car loan cat debt mobile debt

so as post 2

northants bulk are the bulk court this default judgement would have come from

I've moved you to financial legal issues forum.

simply type in backdoor CCJ

in the search CAG BOX of the red top toolbar

you'll soon get the drift

Ok brill I’ll have a browse

go ring northants bulk now

have the CCJnumber infront of you

ask for a copy of the CC & the claimform by email pdf.

dx

If this claim was issued against your old address which everyone knew that you had already moved out of, then you will have no problem setting the judgement aside.

On another matter, you have no record of anything – now you know why you should always record your calls. You've been here since 2011. You should know that. Read our customer services guide

If this claim was issued against your old address which everyone knew that you had already moved out of, then you will have no problem setting the judgement aside.

 

Only if you can prove Cabot were informed of the COA...otherwise it will be be deemed as good service on last known address.

Andy

If this claim was issued against your old address which everyone knew that you had already moved out of, then you will have no problem setting the judgement aside.

 

On another matter, you have no record of anything – now you know why you should always record your calls. You've been here since 2011. You should know that. Read our customer services guide

True I’ve been a member for a long time but as above I went bankrupt and haven’t been active for equally as long.

Hence why I’m back as I knew this is the best place to get it sorted

So low and behold a letter landed this morning from Cabot which is ironic.

They’ve obviously traced me via election roll

now it’s old debt which I’ll be honest is around 4-5 years old and has completely slipped pass me.

I remember doing it to help start build my credit rating while under the BR but lost my partner and I went downhill

how do I proceed,

ring them and say I’m willing to sort this as get the CCJ taken off

or plead ignorant and get the court to set it aside which isn’t cheap

no good ringing them wont happen..

post 9 is your 1st port of call.

what was the debt then?

dx

Aqua credit card, from memory I was using it and paying it off to help build my credit rating

Lost my partner and car went wrong and remember using it

at that time due to everything going wrong I moved within 48hrs of making a decision and completely forgot about it

My own fault

I want this dealt with if I’m honest

I Don’t do running away and burying my head in the sand

so did you ring the court today?

3 times I tried waiting 10 mins each time and never got through

keep trying

dx

That court is a [problem] surely.

Seen the reviews of people trying to ring??,

it just cuts you off.

No way am I going to be able to speak to someone

Request for copy of Judgment

Copy Judgment (Type in your subject line with the judgment number)

[email protected]

Have just done that. Need to wait 10 days for a reply. Knowing my luck Cabot will send enforcement officers by then

Nope they can't a DCA is not a bailiff

Only the court after they request it

What is it I’m hoping to get from them.

Does it state what I should be paying monthly to Cabot to clear the debt?

If I can’t get a reply I’ll just have to ring Cabot and bargain with them lol

Nope they can't a DCA is not a bailiff

Only the court after they request it

I take I’ll receive another letter saying they’ve requested bailiffs to approach me

Matt,

DO NOT RING CABOT.

Now you’ve read that, relax and count to ten. Stop panicking.

You’ve discovered a CCJ on your file and you are now going to do something about it. You haven’t had any bailiffs at your door up until now so what makes you think they will suddenly appear now you are aware of their CCJ?

Email the court, get the requested information. Keep phoning them. I mean keep phoning them. Three times isn’t enough. Every time you get cut of, ring again. You have to persevere.

Once you have the info come back and share it here.

Oh, and one more thing...

DO NOT PHONE CABOT!

What is it I’m hoping to get from them. Does it state what I should be paying monthly to Cabot to clear the debt?

 

If I can’t get a reply I’ll just have to ring Cabot and bargain with them lol

Ask for the claim form and the CCJ..... have it sent via email in pdf format for speed.

DO NOT PHONE CABOT.

I take I’ll receive another letter saying they’ve requested bailiffs to approach me

Maybe, but still no reason to panic.... did the first letter from Cabot quote the CCJ? Or was it a speculative generic invoice type letter?

DO NOT PHONE CABOT.

*edited to remove question answered in previous posts.

Another letter? Have you already received letters?

 

DO NOT PHONE CABOT.

Yeah letter saying and I quote

“We are hoping a new approach could help free you from this debt

You may have questions who we are, how your account got to us, or what can be done to move forward with your account. We believe our team will be able help

If you contact us, our consultants can help you understand what is happening with your account and are experts in setting up repayment plans to fit individual circumstances

Our goal is to understand what will work best for you

TALK TO US”

The above landed yesterday on my door step

Ok ok I won’t ring them

***edit for spelling lol

So no entity of the CCJ?

It’s a template then....

Continue with getting the claim info from Northants Bulk.

That really is your number one priority.

Nope not one mention of a CCJ anywhere.

I’ve sent the emails so hopefully get a swift reply