Dear Doookist I hope you have success in fighting your injustice.I hope you are able to continue with you fight.I found lots of similarities with our own experience.There is very little in the way of legal help for cases like this and some very poor solocitors to find help and are keen to charge top whack and take your money. t hen when you run out they don't want to know after they have bled you dry. Like you my partner and I have had 7 years of similar exoerience.We had to accept a settlement offer because of the mental stresses.Contenplating suicide rather than face another day of injustice and lies in the court room.Our insurers would not pay out and our legal rep failed to apply for payment from them in a reasonable time leaving the claiment to apply to court for our non payment. We lost out by hundred thousands,lost the land we legally owned. Our oponent failure to disclose information that he knew would have likely made his claim invalid.This I discovered after we had come to the end of our sanity and money needed to continue on and had agrred settlement. like you we had charges put on our property with out our notice by the court.Threatened with bankruptcy if we didn't pay his court costs.I could go on.You are so right when you say you have done nothing wrong just as our crime was to own property he wanted (and through his lies he got) to build half million pound houses on.NO JUSTICE ONLY LAW FOR THE HAVES. NOTHING FOR THE HAVE NOTS.

Thank you for your reply.This is meant to cease all court action against us regarding tha case.Is what you are saying the order is usless unless it has been sealed.Our Insurers would not pay our court costs because of it.

Hi a Tomlin order agreed and signed by claiments solicitor and selves failed to be sealed by the courts and returned to claiments solicitor.They failed to rectify and return it as requested by the court for sealaing and remains as such.Monies were paid by us and our part of the agreement was kept to time scale stated,but claiment delayed on their part..No funds or nerves to carry on with dispute. Part of agreement from claiment is still outstanding. Solicitor handling this stated at that time if any part of agreement failed we would be entittled to our payment back. This was a civil case involving property and uplift. Is this still a legal document or can this case be resumed at any time by either party.

Thank you for your reply.Had the company not re-issued the card without any request there would have been no fraud committed.Are they not responsible for doing that and failing to protect me.Don't they have duty of care to me as a consumer. Has an error occurred in their system and a mistake been made on their part I wonder. The debt was incurred late 2005 and early 2006. I am not sure when the court action was as I don't have the information..I did discover the CCJ 3 years ago and disputed it then. When a debt is statute barred is it from when the debt occurred or when payment became due and not paid or acknowledged or when the CCJ was issued. The company persuing me are Equidebt Liverpool-Victoria. I have ignored their last 3 letters and now they threaten sending some one to arrange payment,yet they have said in the past that some one sends them a payment (as per court order) every month.. I am about to go on holiday for several months and really don't want them at the door in my absence. Advice gratefully received.

On getting the details of what the credit card company had on me to find out why they are persuing me for debt I knew nothing about and is not of my doing. I have discovered in the information supplied that they had issued a credit card in my name using all my details from a previous account that I had paid in full and was dorment for 2 years. I had cut the card up so that it was never used again by any one.That was the advice given at that time.I had also moved from that address so the re issue was never received by me and has been used by someone else. Hence the company persuing me and even have a CCJ in my name. Have the credit card company over stepped the regulations in re-issuing the card for a dorment account and when no request was made from me for them to do so. The company is MBNA.

thank you for your reply I will do what you suggest and will come back with the result. Thanks

Hi, Thank you for your reply.Yes our surnames and 1 initial are the same. We both had credit cards with the same company at the same address.I last used mine around 2002.My relative has admited the debt is theirs and should be in their name and says has even submitted their NS number is paying off the debt on a monthly basis.There are 2 CCJ's one is admited the other one not and got no information on that one.I don't want my relative to be acused of fraud and wondered if the credit card company are to blame and got us mixed up.Do I write to them or to MBNA the money lender whose address I do not have. Have not got a reply from the court regarding details.I rang the company that have the debt spoke to their solicitor who insisted it was me and I was making the payments, had my DOB and full name.Now has present address.I haven't got any other court information other than what is on Equifax where the CCJ's are one in 2006 the other in 2007. Thanks

I have discovered CCJ's in my name when I applied and was refused credit. The link is to a previous address and that of a relative,who admits the debt is theirs and should be in their name.I have previously held a credit card with the same company but have not used them for years. Do I write to the credit company using my previous address or my present one. Do I ask them to produce a copy of the agreement bearing my signature. Do I give them my account number that I had with them. I thought that when I no longer used them and chopped up my credit card that the account would lapse automatically. Do I ask for all the details of transactions and payment from past dealings. Any advice is welcome.