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About J2005

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  1. I would pay over the phone via a card or can bank transfer - suppose whichever they accommodate really.
  2. Pity I only received it today like. So if I just pay this off, the CCJ won't go on my record, that's how it works?
  3. I don't know. This is everything it says... 'General Form of Judgement or Order' is at the top along with a box with info on the court claim no, date and my dob It then lists the case, Hoist v Me Then says.. "Before Deputy District Judge ..... It is adjudged that the claimant recover agains the defendant the sum of £1,853.65 for debt and interest to date of judgement and £355.00 for costs amounting together to the sum of £2,208.65 The defendant having paid the sum of £0.00 It is ordered that the defendant pay to the claimant the sum of £2,208.65 on or before 4:00pm on 18 December 2015' It then has a warning about iff I ignore it then goods may be removed etc, then a box on address for payment which is Howard Cohen & Co and then how to pay saying keep records, pay them not the court, leaflets on registered judgements, how to pay and what do to if you cannot pay are available from court. At the bottom it tells me it is an N24 General Form of Judgement or Order
  4. I've now received a general form of judgement or order. Literally only just turned up and tells me I have until next Friday at 4pm (18th December) to pay. The hearing was on 2nd! Now I want to pay it all but I: 1. Didn't think it would be such short notice 2. It doesn't say anything about paying before then to stop the CCJ going on my record, if it even does? 3. It give's no info about what if I don't pay Obviously I plan to ring them Monday but obviously this turning up at such short notice has surprised me
  5. Does anyone know how long I should expect to wait for the judgement? It's been a week and I haven't had anything
  6. Exactly. He even mentioned the lack of evidence when moving towards making a decision. It was all over very quick. I could have pulled out statement after statement - but they would have wanted me to go through dozens of statements to look for a payment, in that period (my bank does it on transactions, not calendar months). I should have made this point I suppose but it didn't come up until at the end (of what was a very short hearing). As shamrocker says, I literally could have printed a kale statement - nothing was verified. If I didn't want to avoid the CCJ so much having had defaults for the past 6 years and felt it's impact, I would be a pain in the arse about repaying them and make it the lowest/slowest I possibly could!
  7. I wonder whether I made the points as forcefully as I could, I don't know if nerves got the better of me or whether I didn't think it was appropriate. The claimants solicitor did try to use something I said saying that I had said the payments had been made when I had in fact said the only evidence of payments being made is the claimants word- I pointed out to her and the judge that I had said the claimants witness statement mentioned this not me. The judge did seem really hesitant that this wasn't clear cut - I do maybe think if I had a solicitor, it may have been different. But it's easy to say in hindsight. I just want to get the judgement now and take the relevant action to try and put this behind me. Hopefully be the last time I ever need to go through anything like this.
  8. The judge opened up saying it was on the claimant to prove it wasn’t statute barred. They had sent someone to represent them (not the person on the witness statement). He did initially start off questioning that the transaction summary said payment received but that the claimants had said payments in their witness statement. He questioned which it was. He also made the point that the payment could feasibly be made in April 09 so be statute barred, and asked them about proof of payments. The claimant solicitor said that the date of May 2010 was the last date entered, the debt was still owed, so they contested that May 2010 was the date of the last payment. Otherwise the record would have just showed payment up to 2015. I was asked about the point on why it was statute barred based - I said I had no record of payment, that no proof had been provided. The claimants solicitor made a point that I hadn't provided any bank statements to show a payment hadn't been made. The judge said on the balance of probabilities, a payment was made and the last payment was May 2010. There was little thought from him on them saying two payments but not proof of that, how much etc. No questioning of the transaction summary essentially being a print out. What I believe started hopeful, ended with that. I’m annoyed cos I am now wracking my brains thinking did I make a strong enough case, was there anything I could have said. But it is what it is now I suppose. Thanks to all those who have helped. When I receive the judgement and have made a payment, I will make a contribution to the site. I have appreciated the advice and comments.
  9. Hi Andy I will provide a fuller update shortly. I'm just checking on the judgement process as it stands - does anyone know when a CCJ shows on my credit record? I intend to pay it in full as I understand if I pay it in one month, it doesn't stay on my record for the six years. However, I am reading conflicting messages - that it goes on within a few days, then I need to pay it and have it removed. Or that it doesn't gone on until a month after and if I pay it before then, it never goes on. The reason I ask is I am due a bank appointment next week and don't want it on there, particularly as I do intend to pay it off. Obviously if it goes on straight away then comes off later, I will defer my appointments
  10. Ok so the points I might wish to make - no proof, the transaction summary isn't much, no record on payments, any payments could easily have been pre claim form and still be statute barred - I say in response to points the claimant may make?
  11. So this is tomorrow! Just putting bullet points together, as my main body of what I am going to say, thanks to the help on here. I will update afterwards
  12. I was just thinking - is there any precedent/case law around proof on statute barred? Similar cases I can refer to - if anyone can point me in the right direction? Or will it all just be down to the judge on the day?
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