Hi

Sorry to jump on this thread debbbbsy.

I am in the same situtation as you where.

CCJ Obtained.

Did not receive the court paperwork

now they have gone for an interim charging order which is going to court on the 14th Jan.

I have requested copy of the court papers which should be with me soon.

I have called the bank but my account has been closed and I cant pass the security questions as the account is 13 year old

and they have no information on file so how on earth did the DC get a CCJ??

Was it though bulk at NCC??

Now been transfered to my local court birmingha,.

Any ideas on what I can do.

Account was last paid in 2007.

No letter from LLoyds to say it had been purchased by Hillsden.

Any ideas and help would be great.

Debt for £4000 including the charges.

Thank you so much

Hi the only letter I had was telling me they will take me to court.

I have had no claim pack nothing from the court. I didn't even get a letter from Lloyd saying the debt had been sold to hillsden in 2011.

Lloyd are apparently sending me a copy of my original credit agreement from 2000.

just dont know wat I can do to defend myself as not been given the chance and surely they both cant be on my credit agreement? ?

it would of been status barred in October this year too

thanks for your help

thanks andy nope never had the n1.

do I send to northampton or Birmingham? how do I go about paying as im on low income? do I send them to the creditor too? can I send hillsden a letter to get my credit agreement or is this a waste of time now?

Thank you so much you've been very helpful:-)

Hello Andy

thank u for your reply. Can I ask what an N1 is please? if I file the n244 can I now provide evidence for my case to dispute the ccj and get it removed if I fid not have chance to fight.

So stressful and I want to get is resolved.

Thank you

hello just wanted to see if i can get some help pleasd I've posted beforehand about this problem but I have more information now.

details are

credit card taken out with lloyds tsb 2000

defaulted in october 2007

Receive card from hillsden threatening court if I dont pay full amount .

next letter I received is from an outside company sayinv I can get help with my CCJ.

checked on credit file CCJ issued in September this year

no paperwork from court no credit agreement

next letter photocopy of a letter from Northampton county court saying to send full payment of 4064 to aplins who ever these people are.

a letter receive today saying transfer of proceedings to Birmingham cc for enforcement - what does this mean????

I called lloyds tsb today and they advised my debt had been sold in 2011 to DLC I have n had a letter off them until they threatened ccj. only letters from lowell but ignored them.

both Lloyd and hillsden are on my credit file for the same debt both showing default but different dates both showing debt as unsettled hillsden notice on my credit file saying I defaulted in june 2008 but lloyds told me i defaulted in october 2007..how can both companies own the debt??. how can hillsden say I defaulted in 2008 if they only brought the debt in 2011.

I want to fight this as im sure neither lloyds or hillsden will have my original credit agreement from 2000.

any advice would be great as I cant afford to pay im a single parent now which is why I couldn't afford the card after split up and buying ex out of mortgage. I cant afford repayment as I only work part time and I have other priority debt. im really scared they will send out bailiffs

thank you for your help. I have now received a letter to pay the full amount and another letter saying transferred to birmingham county court for in forcementI just don't know what to do now can I fighting with and having a ccj against me as I never received any paperwork to defend myself your house is really appreciated

Hi Thanks for your help for some reason my posts have not come up when using my mobile.

Card as taken out in 2008 I defaulted in 2008,

I had various chasing letters over the years then for the last three years approx nothing

Hillsden sent a letter saying they are issuing a CCJ.

I have not had any other paperwork from Hillsden or the court but now have a CCJ on my file which has no name against it

but Northhampton county court the case number the date of 11.09.2013 and the amount and next to the amount its saying Judgment Unsatisfied.

How do I go about this now as I have nothing from Hillsden or the court asking for Money.

Do Hillsden even own the debt?

Would Lloys TSB have my signed credit agreement after 13 years although I last paid in december 2007 but the default date is 09.06.2008?

Both Lloyds and Hillsden have this on my credit file both in default but the default dates are different by 2 days.

This Hillsden one has only just come up on my credit file so how can they have been chasing since 2008?

Any help would be appreciated as I cant afford to pay this and I am sure Hillsden are trying their luck!!

Thanks

Hi I have been back onto my credit file with equifax and the ccj is on there but not claimant. just Nottingham cc snd the date of 11.09.13 and no date satisfied

Shall I still send the letter to Hillsden or to the court?

I dont want to dig anything up if I send any letters as there is no way I can afford to pay this eithout selling my house which I wont do csuse of my fwo kids. I know I was stupid running up the debt but I was paying it but since the break up in 2008 and buying my ex out of the house I couldn't afgord too.

Thanks again

Thank you for your help.

its strange ive only had one letter this year but they apparently brought the debt in 2008!!

if they dont reply what shall I do? im.not bothered about the ccj as my credit rating is not good and I have my mortgage which is up to date.

Shouldn't I have letter from the court about the CCJ on my file

Thanks again

It seems like Hillesden have a judgement by default, no claim pack received, and Hillesden have your correct address?

A puzzle indeed!!

Yes they have correct address. im confused too lol

Hi welcome to CAG,

 

This card was taken out in 2000 and defaulted in 2008 correct?

Yes this is correct. had the usual chasing letters but nothing for three years untill now.

 

What exactly shows on the CRA file, is it a ''satisfied'' entry for LTSB with balance £0, then Hillesden showing the same balnce, the same default date?

 

Both are showing default with the same balance. but different default dates by a month in 2008 but ive never had letters off hillsden until the other week. ccj is Nottingham with hillsden for over 4k .

 

Does the file show which company got the CCJ?

 

The CCJ when was this judgement made, was the case undefended ? Yes as I didn't have any court letters just a card saying we are taking you to court no details of what it was for .

 

Did Hillesden get the judgement or Lloyds TSB? Hillsden got the ccj.

 

Have you moved house without notifying the creditor? I only moved house in 1999 after moving out from my parents and im still in the same house.

 

Please clarify 'just a card to they were nothing else?

 

Perhaps checking 'trust on line' may help here.

Thank you for your help is appreciated

Just looked on credit file and my default notice is still on there with tsb and hillsden and the CCJ.....

help please anyone getting very worried as I have not had chance to defend myself

Thank you

Hello

I defaulted on a lloyds TSB credit card back in 2008 which I have had a paid off regular since 2000.

long story cut short but couldn't afford to pay this due to myself splitting from my partner buying his half of the house so I could keep a roof over my kids heads.

Hillsden have now put a CCJ on my credit file and ive not been notified just a card to say they where nothing else.

What do I do now and what will they do? Its for £4k.

I cant afford anything else with my mortgage and two kids.

Any help would be appreciated as im not sure what I should do as ive not acknowledged this debt for 6 years.

Many thanks