Hi CCJ secured in August 2007 for £5121 debt by claimant HFC Bank, payment originally to Restons and now to Mortimer Clarke for £5 per month. Registered to an address that I left 10 years ago and moved twice since. Paid every month without default. CCJ secured in March 2008 for £8230 debt by claimant Cabot Financial (original lender HFC Goldfish Bank), payment to Cabot for £5 per month. Again registered to an old address. Paid again every month without default. Both no longer appear on my credit file, although I do have a backdoor CCJ which falls off my credit file in March 2022 and I am making payments with no default. I am now finally on top of my finances but not in a position to pay the really old CCJs off fully but at £60 per year in payment each they will be with me another 73 years and 125 years respectively! Aware I probably could of challenged but at the time was not in a place to. Should I simply stop paying, the CCJs that have fallen off credit file? Should I advise them of new address?

Cabot have responded saying they may take 40 days to respond to CCA request......do I respond saying you have 12+2 days or do I have to give them this?

And they are returning

CCA some of the DCA's and Cabot are returning postal orders saying the payee is not filled in! I have sent back now completed but advice stated I should leave blank....delaying tactics?

@Andyorch Thank you, final questions hopefully....Debts which I am unaware of DCA do I write to OC advising change of address? Can I CCA and do address change in single letter? @dx100uk Thank you

Gents, I'm sorry but I'm lost here.......I'm trying to ensure a DCA doesn't get another CCJ by sending court papers to an old address, which is how this thread started and they were successful because I was unable to defend. I have other debts, they do not appear on my credit file at all, they are over 6 years old but not statue barred as made token payments to OC up until approx 2 years ago. I have never paid anything to a DCA or spoken to them, but they are the ones that issue the Court Papers for the above debts.

All debts have fallen off my credit file as I'm guessing over 6 years since OC put into default. I have moved twice since then and hence I am not getting any letters or paperwork if sold to a DCA, which I'm guessing they all have been. So to advise change of address, my only option is to write to OC.

So for clarity.....I have been caught by DCAs buying debts from original lender, using old address, I have not updated anyone, so need to. Do I write to original lender advising new address? Do I CCA them also? Can I do in single letter? I have one debt which has been allocated to DCA....do I CCA them?

I have made no payment to any DCA. Where have I stated that?

Yes. Do I CCA original lender?

Credit card debts

Couple of questions..... I am writing to all my debtors today to advise change of address in writing, do I need to send registered post? Do I need to sign letter? Cabot have now written to me at new address with regard another debt, do I CCA this debt with them? I am going to make monthly payment and just accept CCJ for next 6 years, if I manage to make larger payments and settle in say 3 years, how do creditors look at satisfied CCJ ?

I CCA the co-op over 10 years ago and have since moved house twice, the paperwork has been lost and I have since issued further CCA which have not been responded to. The claimants issued earlier in the year to my previous address, on a separate matter, which I successfully defended, they have then issued on this alleged debt to a even older address in the hope I will not receive the paperwork (which was correct) thus enable to secure a judgement as am unable to defend. Not a defence?

Dx I sent my new address to both Restons and Cabot for a previous debt, do I have no challenge that they should have updated all my records? I will CCA all my debts tomorrow to the original lenders.

Thank you. I have some other debts, to ensure no further backdoor ccj's should I CCA the original debtor and advise change of address? Send recorded so I have proof?

They have sent back letter and postal order. So I need to respond

With regard CCA not signed....how should I respond?

£50 per month Costs £1050 if failed ? I see today another member has been successful obtaining a set aside, down to Royal Mail and failure to respond to CCA....surely this is worth a punt? http://www.consumeractiongroup.co.uk/forum/showthread.php?458368-Lowell-Cohen-got-sneaky-CCJ-on-Vanquis-Card-debt&p=4902997#post4902997 also Today had letter from Restons, they won't respond if I do not sign CCA request.....name was computer printed. Any thoughts on response?

They have secured a CCJ at £50 per month, if the set aside is not agreed, what changes? Unless I have misunderstood the risk is the £255 cost. But if successful to set aside, I can CCA and strengthen my defence.

My only defence is if their paperwork is not correct and I am unable to prove this, I did CCA the co-op originally 8-9 years ago and got no response and I have no proof either.

Reading the forum, it is suggested I ask the claimant to agree to the set aside, I'm guessing I'm wasting my time here and just proceed with N244 Any help on completing the forms?

I have written proof in the earlier CCJ that both Restons and Cabot are aware of a later address. I will CCA tomorrow....Restons or Cabot or both? They have also put 2 accounts on the claim, do I CCA separate ?

Aware of debt, it is for 2 credit cards I had from co-op which claim particular says..... The claimant claims payment of the overdue balances (set out below) which the defendant have failed to pay as required under contracts with the following particulars Acc no. Xxxxxxxx Acc no. Xxxxxxxx Between co-operative bank Plc Dated on or about Apr 19 2002 and Apr 19 2004 respectively. The contracts were assigned to the claimant on Jan 11 2013. I need a defence.....any ideas? What is CCA ? Any links? So I have no where to go? Just pay the monthly amount awarded? I have 2 ccj's which are off my credit file but I pay £5 per month as awarded originally, can I request that I pay this amount so no debt is preferential?

That is 100% correct. 1st CCJ was secured against old address which I left 6 months ago, which was in February. I paid it in full and updated Cabot my new address. 2nd CCJ was secured against an address I lived at 11 years ago. This is CCJ I would like to get set aside. As if they had issued to address on 1st CCJ or new address I would have defended.

I have a judgement dated 24th February which Cabot is the claimant, served at my address which is not the old address from 11 years ago! I also have correspondense from the solicitors Restons to this address. This one I paid and notified them by calling on 15th April and as call was recorded I have name and time of call advising this. Court papers issued 7th April though, they did not alert me to any claims been issued or in progress! They have bundled 2 accounts from Co-Op into the claim, which I now have details as emailed to me by the courts. Thoughts?