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  1. Just an update, was in Court on Friday just gone, and have won hands down, so thanks for all the help!
  2. Just an update, was in Court on Friday just gone, and have won hands down, so thanks for all the help!
  3. Hi How can I obtain information on a hearing about a judgement that was entered against me? Is there anyway i can find out what evidence was used, and the breakdown of the judgement awarded, and any other information that may have been provided? Its a small claims judgement if that helps, claimant was reprosented by solicitor, I was represented by no-one as i didnt know about the judgement. Thanks for any help.
  4. Its months old, so not going to drop of for some time. In short, i want to know weather there is any, or much benefit to paying up and getting the CCJ settled, or am i just as well off to strench the repayments over the term. Just wondered if a settled CCJ is viewed a little more favourably by the banks and finance houses, or CRA's.
  5. Hi, not sure if this is in the right place, but hope so. I was wondering what impact a settled CCJ can have on ones credit file? Does the fact its settled make any difference, or negligable difference on the credit file? More important, do banks and finance houses look at settled CCJ's more favourable? or do they not care? Thanks
  6. I am in need of some advice on the procedures an organisation has to go through so that can get an enforcable judgement? I am interested in the statement "last know address". How is this defined by the courts or the legal system? I have a CCJ issued to an address i lived at ages ago, the creditor had my home address where i have been contactable till present, but been a student i also have term addresses, which is there judgement was sent too. The judgement was send to the address 4 months after i had moved out, and they never tried to contact me on my home address. So i was wondering, in law, how is a last know address defined, and do they have any requirements to check that i am not living at the address they have on record for me before they go and try another address? thanks
  7. Thanks for that, read throught it all, but now i am lost what to do... I dont want to cost my self too much more money, so i am wondering, if i send the 244 form, whats the worse cost than i am going to get? Is it a case of yes or no to the form? and if its yes, does it then go to a hearing? I agree to 95% of the debt, is 5% enough to build a defence combined with the fact they got the wrong address? thanks
  8. Hi I am looking for some advice or information on DRO's that i have not found else where; 1) Can a student, in current higher education (uni), take out a DRO? 2) After 12mths of a DRO, does the debt just go forever, or do they come back looking for it? 3) After 12 mths, is this removed from your credit file? 4) If not, will it have the same effects for 6 years as a CCJ? I am looking at a DRO as a serious solution to the stress that debt is causing me, and my future as i cant study without constantly worrying and thinking about it. I am a student, i have way less that £50 per month left after bills and rent, and my debt is just over 13k. I have just got a CCJ, and i am now thinking things just cant get much worse, and maybe a DRO is the way to go, and its not going to make my credit file much worse than the CCJ already has. I have looked into IVA's and even the big B word, but i dont feel that i am ready for such a solution, but a DRO seems a good way to go for my situation and finance, if i am eligable as a student? Just to add, i dont feel a DRO is an easy way out, and i want to be as responsible as possible. thanks for any advice/info
  9. Hi I was issued with a CCJ in October 2009, but have only just found out about, and what its for. Its for Tuition Fees from Uni. The solicitor sent the judgement to an address that was my term time address, however, by that point i was no longer in the property, thus never got no summons, judgement or anything else for that matter. The solicitor had my home address, where my parents live, and where I have always been contactable, however, they chose not to use this. This address is what i define as home, use for most contacts, the address DVLA have as they have your home address if your a student, and the address on the electoral roll. The only way they could have got my term address was via a linked address, as i must have had a credit check done, but, I have 4 other linked addresses on my credit file. I had a door person come out a week ago to see if i am living at my present term time address, which i am, which is different too the address the judgement was sent too. If they have done that post hearing, why couldnt they have sent a door person prior to judgement to see if i actually lived in the property? To me it seems that they have deliberatly chosen an address i was not at, and did nothing to confirm i actually was still living there, as if they did, they would have found i wasnt. So, now what do i do? Do i have any defence for a set-aside? i wasnt given any chance to defend myself, nor pay in 28 days, or even know about it. Thanks for any help, its really urgent i sort this before they send in the heavy guys and wreck my life further. I also want to add, that because of them, i now cant persue either of my jobs choices when i graduate this year, as one needs finance for extra training, which is a no no with a ccj, and the other remove employees if they have a CCJ, so they'll not even interview me as they do background finance checks.
  10. Hi, i have all the forms now to send. One last question before i go away and sort this out, at this point, should i contact: 1) My insurance company (old) and ask them what went on with the cliam? 2) A solicitor I also checked my credit file, and the address the CCJ has been registered to is an address thats no linked on my credit file, and is an address never registered on the electoral roll. So i am puzzled how they got that address, it was a term time student address thats got no links anywhere. Thanks
  11. Hi, to me they didnt do much to find me. They had my parents address, as they wrote to me there several times in 2006. And 8 months before the CCJ was issued i had moved house and was soon the electoral roll. The address they used was an address i was at only 6mths, and find it strange why they didnt contact me at my parents, been that they had that address. I did a quick google of set aside, but only found financial related items, form i found was: http://www.insolvencyhelpline.co.uk/downloads/pdf-files/n245_form.pdf seems more for a debt related CCJ? or do i still fill it in? as i can afford to pay it outright if i had to, so i dont see the purpose of them knowing my finances. Thanks for all the help Mossy and Womble, its invaluable
  12. Hi, Glad someone else thinks it doesnt sound right, nothing seemed right from the off, and now it continues. problem is, i dont know any more. I dont know why it went to court, it was a minor accident at most, and i dont understand why i know nothing about it until i read it on my credit report. I found it strange back in 2006 why a solicitor contacted me in the first place and why i was accused twice of not been insured. I find it very strange and dont know what to do next as this CCJ has turned my world over, stopped me getting a new car and house, but i also lost my income (main) as my trading account was suspended due to a change in my financial circumstances, and i cant get another one. not only that, no one will hire me as a trader or broker with a ccj, or none i have found so far. I am lost what to do first, and worried i will make it worse, i need that CCJ eliminated and it all sorted. thanks
  13. Hi, i have just posted my case as a thread, and can see you are in somewhat of a similar situation. What i cant get my head around is, you pay for your insurance so you dont have to pay out claims. If you end up paying out, then insurance seems pointless. And, if insurance companys can pass the buck and get you to pay some, then is this something we will see happen more and more?
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