Hi, the only reason we found the ccj was because we were checking the credit file for a career development loan she will need to go on and do a masters - a ccj may well prevent her application and so what I thought was an incorrectly served ccj (I just gave another response as to why I think this) will have a major affect on her life and carreer as a direct result of this. Im sure you can see why it is worth fighting if there is any chance.

It wasn't her last known address, or the address they were even given. If they sent them to wrong address (we still don't know why) when they had the right one this is grounds to have it set aside is it not? And if what you say about the other thing is true it seems extremely corrupt, it is a legal right that she can pay within a month, a legal right that was taken away by improperly serving the papers yet there can be no recourse? I am very surprised to hear this, it is not like she is trying to get out of anything just take advantage of what she should have had to start with. She is on jsa so will get a fee remission so it is worth trying at least, thanks for taking the time to respond. If anyone else can help I would still sppreciate it.

Hi, I am looking into having a CCJ set aside for my gf. In 2009/10 she ran into some problems with a credit card (store credit that turned out to be one) when buying a laptop while away at uni. There were some problems and she missed payments for a while. After a while she got a phone call from a debt collection agency (Lewis Group) and she explained everything and that she was on JSA and they arranged a payment plan. All that is fine and she is nearly paid off now, but recently we found out there is a CCJ against her that we had no idea about. This CCJ is registered at her term time address and this must be where the papers went. The date is 5 months after she moved out, not only that but they did not actually have her term time address the card was registered at her home address as shown on her application/credit agreement we still have. The problem is not that she owes the money, she is paying it off and accepts that. The problem is that I now know that she would have had a month to stop the CCJ from being recorded allowing her dad to lend her the money and stop her from having one stuck on file for 6 years (he is fairly well off). The fact they sent the papers to the wrong address means she didn't get that chance. I am trying to fill in the initial parts of the form for her but I don't know what to say. I have looked and there is there is no information on who took out the CCJ to fill in the claimants name, can I leave that blank if I know the rest? What do I put in section 3, everything I think of sounds silly and I have no idea how to word it. And finally how do I do section 10, what is the difference and what evidence do I put (she has asked me to fill it in for her I assume she still signs it?) Sorry for the long post, any advice is appreciated. Thanks