sunshine70
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Thanks Deb for the quick reply. So to clarify both debts (Barclaycard and MBNA) were assigned to/bought by Cabot at some stage. When they managed to get the CCJ issued, without my knowledge they had lumped them together. I'm guessing that there was a lack of evidence at the time but as I never saw anything I have no idea. The MBNA debt is now gone, statute-barred and will hopefully never see the light of day again. My reasoning for wanting get this cleared is because I think I would like to move soon so that my son can live with me. (In case the ex-wife does not pay her rent again.) Would like to finally clear up my credit file as I am now keeping it tidy just don't want this blot on the landscape.
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Hi all, I've read round and round now in circles on CAG but still not sure what to do. Confession first: About 15-18 years ago my early jobs included working for a number of bailiff companies (in the office). Yes I was hard on people, it was difficult work collecting Community Charge then Council Tax and Parking Fines. But I'm over it now, I got out of the business because I didn't like the way I felt when I got home at then end of the day. Now I respectfully ask for some help on a current problem. In January 2009 Cabot managed to get a CCJ against me for £4500 issued on a Barclaycard debt from 2003. This was after they had to drop another for MBNA from a few years earlier. This is the last debt accrued whilst married, my wife managed to get 2 secured loans by forging my signature, no idea where the money went, ex is a compulsive liar. In the summer of 2008 I managed to get the original CCJ for £11k (MBNA and Barclaycard combined) set aside. They claimed to have sent the summons etc to my previous address in 2007, however by then the flat I had lived in had been demolished and was just a pile of rubble. After much toing and froing from Hodsons on behalf of Cabot a CCJ was granted even though they never managed to produce a CCA. I have ignored Cabot since the CCJ, however now Fire acting on their behalf have been calling me at work (mostly silent calls), 27 calls in the last 20 days, although I have not actually spoken to anyone during any calls. So what to do next? I have logged a complaint about the calls with Ofcom. I have been living in a rented 1 bed flat for the last 3 years and am just scraping by after I pay rent, bills and maintenance to my ex-wife. (Just had her and my son and stepson staying with me because she did not pay the rent on her place.) Should I try to again get the CCJ set aside? Offer a full and final settlement? (I could borrow some money from family to make a settlement.) Any help or suggestions would be much appreciated.
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