Hi All I'm a long-term debt struggler, but I've made good progress over the past 5-6 years, some paid off, one written off, some on arrangement etc. Just when I thought I was getting on top, Lowell tell me they're sending the bailiffs round The original debt (Capital One) hasn't been paid towards, or acknowledged for a very long while (less than 6 years though!). I wasn't in a position to pay, due to other arrangements in place, so chose to ignore it. The idea was to eke things out until April this year, when two of my existing arrangements come to an end, then go to Lowell with an offer / agree a repayment plan. The bullet points of my issue are below, any advice would be hugely appreciated... 1. Moved house May 2015. 2. Lowell wrote to me at my NEW address September 2015, November 2015 and other letters. 3. Heard nothing until last week, when I received a Notice of intention to enforce, warrant of control etc, due to non-payment of CCJ registered July 2016. 4. I knew nothing of the CCJ, no letter before claim, no claim forms, no court papers, no nuffin whatsoever. 5. Papers were presumably sent to my old address, as that's where the CCJ is registered. In short, LOWELL pursued legal action without my knowledge, affording me no right to defend their claim, and no opportunity to pay within 30 days of the judgement, thus removing it from my credit file. The key point here, is that they had written to me on more than 2 occasions at my new address, then reverted to my old address when it came to the legal shenanigans. Can't see that this was anything other than deliberate. My credit file had been starting to shape up (slowly), but now it's got a shiny new CCJ on it. I'd be very grateful to receive your suggestions...

Hi There. My wife has just received through the post an attachment of earnings form from the MCOL Business centre. A CCJ was awarded in default as was sent to a previous address. My wife only found out about it when she received a Noddle credit profile change notification. She spoke to Robinson Way who advised it was issued at a previous address. She gave them our new address and interestingly the attachment of earnings form has come through to our current address. Details of the debt: Original creditor was Egg (so suspect any CCA would be "interesting" to say the least) Default was issued in 2012 according to her credit report Original agreement was taken out we think in about 2006. Balance was about 1650 CCJ balance was just over 2.5k (plus now another £110 attachment of earnings fee added) We are convinced the debt is statute barred as my wife is convinced she hasn't paid anything towards this for a long time. I know we need to look at getting this set aside but unfortunately we cannot afford the fee to do so, and we don't fall into the category where we can have the fees waived. Is there any other way around this? Surely they would have records and would know when the last payment was made, so if so then is this not an abuse of court process by submitting the claim? Any advice on next steps would be greatly appreciated.

Hi, I received a ccj threat from Asset Collections & Investigations ltd Glasgow they purchased it from Lending stream limited. I sent online an acknowledgment 0f service back and said i intend to defend the case this was on the 19 jan 2017 I have 28 days to defend it. the original sharks lending stream kept offering roll overs and when i got into difficulties they didnt want to know. seems it got sold off and now asset collections are sending this through COUNTY COURT bulk centre northampton. I want to defend my case But I am not entirely sure what grounds I should use???? can anyone advise me on ways to delay or get some help defend against it please. Best Regards Paul. ps. total claim £1572 + 0.34 day interest

Good evening, I know you may have heard a story like mine before but I'm still reeling. I didn't know I had a ccj against me ,( we had building work done and there were lots of problems with the builder) imagine my shock a week last Saturday when a law enforcement officer called at my address with a writ and gave me 7 days to pay the whole lot of money £14k. We had a week of absolute hell as we were threatened 'the team' were going to take our vehicle and our furniture. The threats were awful but luckily we managed to come to an agreement. My brain is now starting to function normally and I was wondering would I have known if I had a ccj? Did it go to county court first or High Court due to the amount owing? How do I find out where it was on ? It's a mystery to me as I didn't have a clue. I will say that the pressure they put on you is unbearable and I'm still in pieces now .

I have recently embarked on a mission to clear the debt I ran up when I ran into financial difficulties in 2013. I was struggling in my job at the time and had trouble keeping up with my bills and ended up losing my house and car. I have since recovered and now in a position where I can clear all of outstanding debts. One of the debts that I hadn't got around to yet was around £1500 to Black Horse for the finance on my car. I missed three months payments of £407 and ended up giving them the keys back in December 2013. When I took the agreement out I lived at address 1 and then moved (informed them of the address change) and when they collected the car they collected from address no.2. I now live at a different address over the last 12 months have received numerous letters from Reston's solicitors in relation to the debt. The last letter I received from them was to inform me that I have successfully registered a CCJ against my name and against address no.1. Even though they know I have since moved from address 1 to address 2 where they collected the car and then to address 3 where they have sent me letters. If I had received the paperwork though about the CCJ I would have paid it in full because all of my other CCJs are satisfied and for the last 3 years I haven't missed a payment on any accounts I have and wouldn't want to reset the 6 years of being screwed on a mortgage clock. Is there anyway of me getting this judgement set aside if I have to pay in full? the downside is that I can't find any of the letters they sent me previously, I do have the letter that they sent to my current address to inform me after the CCJ was granted dated 5 weeks from the CCJ date) If I can't get it set aside what action should I take to look into making sure the 1500 is an accurate figure? any help/advice/guidance would be really appreciated

I know many people here is not legal adviser, But The advice as I could get from this website always was more useful instead any lawyers or citizen advice bureau. Thank You My car Insurance payments: I insured my Second car since February 2016 for Premium: £1124.00 Sub Total before credit charge: £1124.00 Motor Premium Tax: £106.78 Total cash price: £1230.78 Total charge for credit: £111.28 Total amount payable for policy term: £1,342.06 In less of 20 days a Car accident happened Tried to get some advice from a legal firm about this case: I gave my case to a legal firm To advice me what they can do for me. But the company made a claim without any discussion, permission or confirmation. The third party gave a cheque for my car value to that unauthorised solicitor, But I never received the cheque, Because the firm tried to force me to sign a Client care pack. amended the contract and increased I did not provide my No claim bonus discount to them; ten days after the car accident they have amended the contract and increased my policy payment to 2367.94 I did not accept and send a complaint letter to them, They cancelled my policy and asked me to make a full payment as well. However, I paid them in full; They send a default notes to my credit report. The third party made claims against me to My insurance. My insurance informed me, they would like to settle the matter in 50/50, without accepting liability, if not, they would accept it in full. ( All communicate or conversation was by the emails and letters.) County Court Claim Letter After few months, from the Country Court, I received claims against myself letter under my name, to my address. I passed the letter to my Insurance by Email, And asked them if I need to respond to this letter!?; they told me, no, you don't need to do anything and when they settle the matters they will notifying me. CCJ On Credit Report Under my membership account with the credit expert and the Equifax, I informed about CCJ on my report but five days after the judgment date. My insurance forgot to respond to the court. They were apologising me. And told me they would remove the CCJ as soon as possible, because they did not update me on what's going on, and I could not trusting them anymore or take any risk, a day before the end of 28 days, I paid myself to the third party £3 039. I need help Because I was in a very hard situation during the last nine months. There are too many mistakes in my case from the beginning by my claim case worker. As she gave some comment without looking at the vehicle photo, and when I told her you could ask for the CCTV's Bus, she said, The third party representatives looked into this aspect of the claim and were advised that no footage was available. They did not tell me that I have to transfer my insurance to the other car. When I called them many times to talk with someone to explain to me, how they calculated the outstanding balance, if I need pay the full payment, need I pay the credit interest as well or APR? They did not tell me. They must have full responsibility for my accident and any matters as they promised me when we make a contract. I know under the credit agreement they should make a cleared about my policy or my credit agreement or any amended section in my contractor me as a customer. Many hours my time be wasted because They asked me to paid them in full. They did not respond to me when I asked them to make a clear the amount as they are asking me to pay, they wasted my time on the phone line in some hours, without providing me without any useful information. I paid them and asked them to remove the default from my credit report; I asked them by the phone and email, they did not accept and send a copy of the credit agreement act and told me you have breached our contract. The default on my credit report have not any good or any bad effect to that company, but the default have many effects on my daily life, Thus I don't want to accept any apologising from them, I Have some Question: I have got this insurance from 18 of February 2016 the accident happens on 11 of March they changed the policy on 24 of March Have I any right to not agree with the new agreement ( Agreement on 24 of March )or monthly payment plan? How should I receive the default notice when I had an accident, and I was not in any good situation? Because I paid and settled the country court claim against myself, They Own my money, is any way that they get the country court on their business credit report? This paragraph was in my insurance letter to me, What're means? I understand that you have satisfied the judgment of £3,093.53. You have the benefit of comprehensive insurance, for which you have paid the insurance premium. So, you should not be out of pocket any further. The accident was not my fault, Can I appeal to the court and defended myself? From the beginning, it is very clear as they don't want act for me. If they do act for me, what was the point for them? If I did not pay to them, by the law, have they any responsibility to acting behalf me or no? if the accident bee 50/50 what was the effect on my future insurance? which payment could I receive? and now I am 100% fault , what is the effect on my future insurance? which payment could I receive? Please Note: I have 11 years old no claim bonus discount as I used on my other car, I never have any accident before, and I have protected my no claim bonus for 2016-2017 not before.

All can any one help I had a car repossessed by Private and Commercial Finance PCF on a conditional sale agreement they got CCJ, court set payment at £10 in September 16 November 16 , they appealed court set at £40 today i have received a statement (notice of sums in arrears) from them , they have added several legal charges since, is this allowed July 16 - Legal Fees Adjustment £5088.36 - this doubled the debt, after car was sold at auction. October 16 - Legal Charges £280 november 16 - legal charges £28 december 16 -legal charges £250 January 17 - legal charges £75 court split costs of appeal hearing 50/50 at £100 per party Are these charges allowed ? can i challenge them

Name of the Claimant - Lowell Portfolio I LTD Date of issue – 17/01/2019 Date to acknowledge) = 04/02/17 Date to defence = by 4pm Friday 17/02/17 What is the claim for? 1) The Defendant entered into a consumer credit act 1974 regulated agreement with Provident personal Credit limited under account reference ********* ('the agreement'). 2) The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The Agreement was later assigned to the Claimant on 26/06/2015 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £2**.** remains due and outstanding And the Claimant claims a)the said sum of £2**.** b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of the assignment to the date of issue, accruing at a daily rate of £0.046, but limited to one year, being £16.92 C) Costs What is the value of the claim? £303.42 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Provident Doorstep loan When did you enter into the original agreement before or after 2007? After 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim? Lowell, Were you aware the account had been assigned – did you receive a Notice of Assignment? Unable to tell as she didn't keep letters sent to her, but probably. She recalls letters from Lowell last year but it could be from something else. She has also moved 4 times since this was taken out. Did you receive a Default Notice from the original creditor? Unable to tell as she didn't keep letters sent to her, but probably. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Unable to tell as she didn't keep letters sent to her, but probably. Why did you cease payments? Agent never turned up. What was the date of your last payment? She doesn't think she ever made a payment. Was there a dispute with the original creditor that remains unresolved? Does not turning up to collect count? Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No, when no-one turned up she just ignored the problem. Hi there, Looking for some help for a freind. She has had a claim form arrive this morning for an old Provident account from Lowell. She thinks it may relate to a doorstep arrangement where the agent never turned up to collect but there is no paperwork provided to prove the claim(i thought they had to provide evidence to make a claim). She thinks it dates back to 2009 so well out of the 6 years to chase (is that still a thing). It is also in her old name and the address is incorrect but it arrived anyway (postman is pretty good). She had quite a few debts and any letters that arrive in her old name that have debts info in it she RTS's them(I have told her not to do that again). So, what now? Do I - send a CCA Request to the claimant for a copy of your agreement Send a CPR31.14 request to the solicitor named on the claim form for copies of documents mentioned/implied within the claim form Fill in the return and Dispute the Claim? Or Just Acknowledge service while awaiting the two above responses? Do I have to tell the court I am doing so?

Hi Everyone Im hoping for some help on this please. I took out finance december 2015 on a vehicle, immediately fell into difficulties in January and had the car repossessed. I was in complete communication with the finance company, met the transporter to recover the car and kept talking with them throughout. They explained that there may be a shortfall from the resale of the vehicle which i appreciated I heard nothing for a month or so, but expecting there to be some shortfall emailed the company to find out what happened next . I then had a letter sent to my address from their solicitors saying a CCJ had been registered and that I had to reply to the CCJ that would be sent. Next thing I received was a CCJ had been awarded to the claimant asking for £392 a month to cover the balance of almost £8k - when only £9k was borrowed, the car was returned in immaculate condition and was resold almost immediately for over £8k (internet search showed this) I found out that despite having my correct address, the ccj was sent to my previous address. Where do i stand in having to pay back almost 90% of the finance despite no longer having the vehicle? And where do i stand that I have never had the oppurtunity to represent myself in court to explain that the vehicle was returned due to the fact that the finance company explained the shortfall would only be small and manageable? Thanks in advance

Please help, I recently attend a county court for claim made against me by Mortimer/Cabot to be set aside. this is going to be a lengthy story but please bear with me . My story below; I obtained a vanquis credit credit in 2007. The limit was £1800, but I did not realise that they have increased my APR from 19.9% to 29.9% without any notification from them .i realised nearly a year they have done so and that was in 2009, I gave them a call immediately to find out why, but their response was they will investigate and get back to me but they never did. I called them on numerous occasions but I never get an answer why the APR was increased without any notification. I wrote them in 2010 after months of calling that I will stop paying them if they don't tell me why they increased my APR without any notification and that was exactly what I did. The last correspondence I had with Vanquis was in 2011. At this time the debt on my account was £1258 I moved out of that address in June 2014 to a new address. I found out in January 2016 on my credit file that the CCJ was set against in me in July 2015 for the total debt of £3909, I immediately file for a dispute and explained the reasons above and Noddle credit agency got back to me saying I should contact Cabot which I failed to do because I didn't want to have any conversation with them. I received a notice Attachment of Earnings from the county court in November 2016 which I provided and I did applied for the case to be set aside also. Judge dismissed this case and ask me to arrange a payment plan with Mortimer/Cabot. I thought the judge was very unfair, he did not listen to any of my reasons, despite that I have tenancy agreement that proof that I moved out of the old address and that I did not receive any letter prior to CCJ, he did not even look at my documents. He said I should have contacted the court in January 2016 when I found out on my credit file and that I should have contacted vanquis also of my changed address. Thank you for patience for taking your time to read this lengthy story. Please your advice on How do I moved forward from here. Thanks

Avoid parcel2go Ltd terrible company, paid for next day delivery service, took 20 days to delivery. If you try and leave a review on Trust Pilot they report it, even though I have proof. Having to take legal action against them now, already gone to my bank to start chargeback, and starting court case http://www.moneyclaim.gov.uk If anyone else is having same problem, and interested in class action, please let me know.

Hello, i have been divorced form my ex since last year and left him over 2 years ago, he has passed me a letter this weekend, hes still at the home we shared, its for a bank loan we took out in 2005, ex was made redundant a few years after and we got behind etc etc, we arranged to pay with the dca/bank to pay reduced payments, but for the last few years nothing has been paid and we stupidly! maybe thought it had gone away! i have certainly not received anything form them in the last 2.5 years. any advice on how i should proceed with the claim form? the debt is ours, but im sure quite abit of the money they say is owed is interest and default payments? can i admit part of the claim? or is it just easier to offer a small payment per month as im sure it will be registered as a ccj now anyway? am disabled with a very serious llness so on VERY limited income, maximum they will be offered is £5 per month (they saying debt is £13k) and what about my ex? does he do it separately? he works but on a very low wage. any help or advice please would be most welcome, we have i think only 10 days left to do something about sending the form back to the court. def cannot pay in full.

Hi all, Have today received a CCJ Claim from Hoist Portfolio Holding 2 Ltd. who apparently purchased the debt from MKDP LLP (Ex Barclaycard). According to my records the last payment on this account was made in June 2010, but the assignment in my credit file (just checked on Noddle) is showing the date of default in February 2011 so obviously there is a discrepancy. So, which one is more accurate? I was under the impression that the actual date of default is around 3 months after the last COA, which would lead to September 2010 + 6 years which gives a date of September 2016, which would then make the debt staute barred? And my other question is, do I then go down the statute barred route, or the CCA/CPR31.14 route for them to 'prove it'? Many thanks.

My partner has a CCJ against her which we found out about when applying for a mortgage recently. The CCJ was created by Vehicle Control Services Ltd. PCN at St Andrews Retail Park because she alledgedly parked incorrectly or for too long. We still don't know which. She changed address a month after the parking occurred in November 2014. She didn't receive a ticket at the time (in fact we think she was in her shop at the time of the 'incident' and not even in the St Andrews retail Car Park), she hasn't had any communication about being taken to court and she hasn't had any notification of losing the case either. We think all correspondence must have gone to her old address. The 'offence' occurred on a Monday at 4.19pm. Her shop is a mile away and doesn't close until at least 6pm. BW legal must have sent the forms to her old address and not bothered to check if the address was still valid even when they took her to court in September 2016. I'd be grateful to hear how to remove this CCJ without paying the £255 to contest it. Surely a person can't be issued with a CCJ without any written information whatsoever? That can't be legal can it? There was no parking ticket issued either.

I checked my credit file a week or so ago as I was about to get a car-loan to discover I now have a CCJ. My previously impeccable credit file (of 999) is now decimated. The CCJ (after downloading the details from Registry Trust) is linked to my married name (I am now divorced) at an address I left in August 2014. I had a post re-direction for 3 months after I left the address the court have used, and have lived at 3 addresses since then, and have been on the electoral register at all of them (all are the same local authority). I've contacted the court (Northampton Business Services Court) who have said the claimant for the CCJ is Civil Enforcement Ltd dated 15/4/15 and the charges are £256 plus damages with a total figure of £356. This is an unsatisfied amount (obviously). I am still none the wiser as to what I'm supposed to have done here. I google CE Ltd to find they are a PCP so guess this is parking related. Thing is I haven't ever received a parking fine from this company or any related correspondence. I pay everything on time. EVERYTHING. I am scrupulous about such things. I don't ignore any bills etc. EVER. Which is why my credit score was 999. In between scouring the internet for info on what to do and what all this means, I call the court back to get some more details. There are none. It seems the claimant can do this electronically and provide no evidence? And sometimes a judge doesn't even see it?! stuck again and still none the wiser. I call both numbers for CE Ltd . One is for payment only. The other is a legal dept where I've left 3 messages on the answer phone and not had a call back yet. The court mentioned that 14 days from the CCJ a Warrant is issued and that hasn't been done yet, even though it was 6 months since the CCJ. How can they issue a warrant if they don't have any contact details for me? This whole process has happened to me, without me even knowing what I've done, and now I might have Bailiffs after me? Surely this can't be right? I'm so worried I don't know what to do next....

Hello all Thank you for your help I received ccj court order but I didn't receive the court papers before the ccj There is no date of birth on the ccj and the second initial is wrong How do u apply for set aside There is no credit agreement and debt is over six years Is there any chance to win Do I need a defence How to do set aside Any help please The ccj issued over 2months

Hello, So long story short earlier this year I found myself unemployed and survived off credit. I owe £26k to various companies. I was advised a few months ago to declare bankrupt and am in the process of raising the funds (should have all paid by 13th Jan). I had a CCJ awarded against me for ~6000 by a credit union. This was a loan. Monday I received a Notice of Enforcement from Harrison (Marston) stating that a High Court Writ of Control had been gained and I needed to pay by 23rd Dec. I have been reading and would appreciate some advice. I own nothing of value, I sold most of it to feed the kids earlier this year. My first question is can this be enforced by a HCEO? I have read that they don't deal with debts regulated by the Consumer Credit Regulations 1974. Second question is if they can enforce it what would be the best way to stall them until bankruptcy? I was told that if I paid any debts off now then the court would reverse them as I cannot be preferential to paying a particular debt. To complicate things further my wife is currently in hospital so I am looking after 3 young kids whilst trying to sort this. I understand that bankruptcy is where I need to be but don't think I could deal with the stress of having bailiffs at the door! Any help appreciated. Thanks

Hi There, I had a CCJ issued February this year at my old address, it was for a debt that went to default on 16/08/2011, I refused to pay due to an ex partner used my name to get a credit card and we split up many years ago, I moved last year so obviously they sent the papers to the old address, what can I do about this? Shall I phone them? At the moment I do not have the money to pay it Thanks in advance for your help Also I haven't received anything at my new address so I wouldn't of known about the CCJ until I logged into Noodle.

Hi All, Currently have sent out CCA's to numerous DCA's However there is one i am unsure of how to proceed. Debt in question is loan from around 2000. Defaulted early 2004. CCJ obtained Sept 04 Interim Restriction added on Land Registry Oct 2004 (Debt in my name, house in mine and my wife's). I have checked the Land Registry and the name of the original creditor is still on there - CCJ not on Trust Online. This debt has been sold on - current DCA has had it since 2012. They have never mentioned the CCJ or CO in any correspondence. Can they really chase this debt? Can I send them a CCA as there is already a CCJ for the debt. Can they enforce as there is already an enforced CCJ on the debt - I am sure you cannot get 2 CCJ's for the same debt. Surely this debt is is Res Judicata - already decided upon so the DCA cannot take it to court again. Have trawled posts for this but cannot seem to find the best way forward for this - any advice would be greatly received

Hello writing on behalf of my mother she is 61 and took a phone contract out for me years ago and defaulted in 2010. I was about 14 at the time and ran up a bill and my mum was a single parent and couldn't afford to pay it. The debt was originally from orange and has now been removed from her credit report but Lowell have now taken it over 6 years later and added a CCJ to her credit report. They have said it will be left on her profile for another 6 years? Is this correct as i have been reading that the debt is cleared of after 6 years. The debt was originally £100 and now it's £500 is there anyway around this or will we just have to pay it? Thanks

I applied for a flat last week, and their credit check showed that I have a CCJ against my name. Apparently, it was registered back in 2014. I am not sure if it was a deafult judgement or not, to be honest. Can I still apply for this to be set aside? If so, how do I go about it?

hi all, I have a ccj with Cabot for over £7000 which I have been paying regularly for atleast the past 10yrs. i have started receiving letters from them stating:- "We need your attention - potential legal action", "your credit file indicates that your situation may have changed", The ccj relates to a loan from Bank of Scotland, my situation has not changed, my only income is carers allowance (all other benefits go direct to disabled wife). i do have other debts and pay them off at the same rates per month £5 each, at least one of these debts is held by cabot. at the bottom of the letter there is a brief explanation of what legal action could mean but that refers to a ccj. any thoughts on this would be gratefully recieved sorry if this post is a bit rambling volac123

Hello, I have had the PRA group on my case for a while. Things escalated when in a letter they threatened court action. I issued them with a pre action letter in July & did receive some documents back but not all inc the credit agreement. Subsequently they lodged a claim in court. I replied with my defence. This was in late September. I have now received correspondence & some more paperwork from PRA stating that they will be proceeding with the claim & have notified the court. My understanding is that because they did not send me the full paperwork when requested in my pre action letter (CPR request) in July. It should be unenforceable? I appreciate your help in my next steps! Many Many Thanks Riggz

I received a CCJ claim form on behalf of Lowell's yesterday. Could someone please help with how to proceed? I have registered with MCOL after reading some other threads. I will fill in the questionnaire and post asap Thanks in advance.

It seems most debt collection agencies know when you have started making an effort to pay back debts. I have been able to agree reduced settlements or reduced monthly payments for some of my wife's debts, starting with the smallest and working upwards. It seems lenders that have made no contact in months previously are starting to threaten legal again and in one case , sending debt collectors to our house. I check our credit reports monthly through Noodle, Credit Score and also Check My File and decided to check our file also with Trust Online for any CCJs. No CCJs even on the Trust Online as at 30/08/16. My wife's latest report now shows a CCJ from 23/08/16 for a default that shes had a while. It was for a HP Car finance from Blackhorse She told them in 2014 that she's moved to husband's address and wanted to negotiate a way she could either hand car back or pay reduced amounts. I am self employed and was the sole earner. I was in hospital for quite a while after a motor accident and couldn't make payments on wife's behalf. Blackhorse decided to collect the car in the middle of the night rather than negotiate and wrote to her at my address (current address) that £480 owed. A period of two years, she has received letters from 5 debt collecting companies claiming that debt has been sold to them all at the right address. I feel the debt collectors have intentionally sent the CCJ to old address for £586 so that we will loose out knowing that it takes a month to show on credit reports. The courts claim a month has passed and said i could pay £255 to set aside but warned that the lender doesn't have to agree to a reduction of lump sum payment or monthly payments even after it's set aside. Can i get the debt company to agree to set the CCJ aside by consent so that i only have to pay £100 to the court and a full amount to them? Is there any point paying £255 + £586 for a debt of £480 that seems to have been intentionally sent elsewhere? I read also that the Court takes timing seriously, is it a disadvantage to contact the lender instead of complaining to the court first? Whatever happens , i don't want her to get a CCJ, not even a satisfied CCJ. Am i better getting it set aside and waiting for the response or is it easy to just get a judge to throw it out entirely since there's no justification for Blackhorse or any of the debt selling firms not to have my current address? If she's told the lender of her current address, lender has repossessed vehicle from the same address, lender has written to confirm debt sold at same address and five different companies have written to that address... Can i get the court to penalise their solicitor or perhaps even cancel the CCJ all together?