Oh my gosh that's over half the cost of paying the CCJ. I'm in two minds whether to agree with hubby and us pay it as his credit file is damaged for another 5 years anyway and sort it with her to pay us as i know how shes suffering and believe that needs to be sorted to help her on the right track or report her as she really does need teaching a lesson as its happened before in the hope she may stop and it give her a wake up call but then i dont agree with paying something that isn't ours. But then if i agree with hubby i've wasted your valuable time aswell, its just such a headache to deal with when im trying so hard to sort our lifes out and get back on track for this to happen. Thank you all, i'll call hubby at dinner and see what he wants to do, but i shall do the SAR anyway just to prove to her i know about it all and what shes done no matter which option he chooses.

Thank you for your help so far. I have attached a copy of the letter hubby was left. I'll get the SAR done today, am i right in thinking he shouldn't personally sign this, just his name at the end on the pc and send recorded delivery (which i always do)? Its not Northants its one closer to us, assuming that's because its a reissue? I'll call them for a copy of it at lunch. No he didn't advise me to do that, he just said hubby needed to ring the number he gave me, explain it to them and then just to update him tomorrow. I don't think he was grasping what i was saying. I'd like to call him at dinner to explain so he doesn't come round again but what do i say, do i tell him i need to apply for a set aside? Thank you Bailiff Notice - Jacmum1979.pdf

I spoke with who I believed to be Cabot once hubby was home to authorise me to find out it is in fact Mortimer Clarke I didn't pay a lot of attention earlier when I first rung, we have heard nothing from these at all, she said they issued it to court on 6th December 2015 which I explained we no longer lived at that property, we notified everybody that needed notifying and i had letters passed onto me for a month after moving and still nothing. So it's intact Mortimer Clarke. I explained I believed it still isn't hubbys debt and all she kept saying is whilst it's with the court they can't do anything it has to go back to them for them to be able to speak with us properly because it is a reissue as the baliliff went to our old address the first time. I've found a ccj checking his noddle file. The address the account was first registered in I know as it's my parents but how do I prove it was originally at that address and how do I prove hubby didn't open this account?, unfortunately mother has done this previously and I forgave her as she suffers with severe depression and is a spendaholic, do I just sort a plan out and pay it or do I continue to try and prove it isn't hubbys which I'd prefer but is it easy enough? I've tried uploading it of my phone but haven't a clue what I'm doing sorry, so I'll do it when I get to work tomorrow if that's ok?

Hi everybody, been a while since i have visted (that long i've totally forgotten my old username and email address so had to reregister) a couple of years ago we noticed on hubby's credit file a capital one account in his name but at my parents address (he's never lived there, never even used the address) account was started in 2009 according to the file. I remember sending a letter to Capital One which i'm hoping i still have a copy of on an external hard drive otherwise i'm probably knackered, it was asking for a copy of the agreement, and i stupidly stated it was at an address he'd never lived at and he has nothing to do with this account. We received a copy of the agreement but with our current address on and then the files were updated at the credit reference agencies and my parents address went completely off his file not even showing as linked, it was also applied for online so hes not physically signed it nor did he hand sign the letter i sent. My concern is we today had a bailiff turn up whilst i was out, he left a letter i called him, he was very understanding as i explained we'd never heard no more and we believe the debt isn't hubby's but not sure how we can prove this and i know i should've chased it to see what was going on but we moved house and i concentrated on sorting newer debts out. They actually did a trace on hubby as we never responded to the court letter which we didn't know about as we had moved. He explained what we needed to do and to just keep in touch with him whilst we deal with Cabot. my question is, is there a way i can prove this and can anybody offer me any help on the next step, i really dont want to pay for a debt that i'm 100% sure isn't ours, were trying hard to clear debts and don't need any adding. It doesn't look like i've kept the original credit report that had found the info on unless the agencies hold copies that i ordered. I may have a copy of the letter i sent them questioning the account i will check this evening. I do have a copy of the original agreement and a letter to say it was applied for online which capital one sent me. I need to check the account number that Cabot have as the agreement and lowells numbers differ slightly which i noticed a few moments ago, we cant ever recall him having a capital one account since he shut an old one down 15/16 years ago. There is no capital one account showing on his report anymore. The account defaulted in May 2011, i can see that under Cabot Financial. Thank you in advance for any help/advice you can give me, apologises if i don't reply straight away.