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  1. Hello all, firstly, I want to thank anyone for their time and advice in helping me with this matter, it is truly appreciated. In 2013 I took out a mobile phone contract while at university. Due to a number of factors, I withdrew from my studies for two years, and moved from the UK. I had severe financial issues and neglected to make my phone payments during this time. I subsequently returned to university in the UK, and very regrettably, didn't think about the phone contract again. During the time I moved addresses numerous times. To make a long story short, a CCJ was i
  2. Hi everyone Hopefully I am in the right place but couldn't find a section to suit this .... I am really annoyed. My Hive heating set up is broken. After 3 or 4 calls to Hive including 2 resets of the system etc etc (an hour on the phone each time), they have conluded over the phone that my hardware is broken. Now for a start, no engineer has seen it to confirm something is broken - I don't think it is, I think it is on the blink due to an update they did of the system over Christmas. There is no signal between all three components at the same time. Initially the Hub was offline
  3. Hello, I was completing a credit check after being refused to get a specific type of finance and to my horror I found out I had been issued a CCJ on the 2/10/18. After ringing Northampton they informed me that the CCJ was issued over a parking ticket issued on the 30/01/17 by JD parking. correspondence to do with this had been sent to a previous address, and even when I was living at this address at the time of the alleged incident I never received any letters about receiving a parking ticket. Now the location that this occurred was at my friends flat where he has a parking
  4. Having looked at partners credit file Lowell got A default ccj last year Paperwork sent to old address moved out just over 6 years ago. Forms filled for set aside hearing date end of this month. Lowell have e-mailed today We refer to the above matter and in particular your application to set the judgment aside which has been listed for hearing on ## november 2018. Upon consideration,our client is proposing to consent to the judgement been set aside and has instructed us to prepare the attached draft consent order for your consideration.we should be grateful if you could sign
  5. Hi All, Need a bit of advice. I checked my credit file and found a CCJ had been registered by default against me for an outstanding debt to our previous gas supplier ( I shall call them M-Power for this discussion but you get the drift of who they are). I contacted the court help line and was given the solicitors info who applied for judgment. I didn't receive any info about the ccj so I told them I was going to request a SET Aside of the cci as I wasn't aware. The solicitors agreed to this set aside even though the debt wasn't paid but providing I entered into Tomlin order. A
  6. Hi all, I'm hoping someone can please advise as to whether my logic is correct. Essentially I took out a Northern rock together mortgage over 10 years ago just before the recession, this included an unsecured loan of £30k. Shortly after I was out of work for a year and built up mortgage arrears on both the secured element and unsecured element of the loan. Despite 5 attempts of NRAM trying to repossess I managed to fight them off and eventually paid of the secured mortgage arrears however because I was prioritising the secured payments the unsecured loan arrears were not being paid
  7. I currently have a CCJ against me that was entered into by default judgment in 2014. The initial court paperwork was sent to an old address but was passed onto me, I did submit a defense but it arrived a day late and was struck out and judgment was entered into by default. I was recovering from a serious illness that affected me both physically and mentally and didn't have the capacity to be able to deal with it at the time. The Timeline is as follows: 2010 Default on credit file 2014 CCJ Default Judgement 2016 Default was dropped from credit file but CCJ remains 2018 I
  8. Hi, I had a good number of credit card debts - the usual suspects: virgin, mbna, cap1 etc. They all dropped off my credit report a couple of years ago, so I now have what Halifax describe as an A1 rating I would like to remortgage. Should I be worried about a bank or building society that has one of my old credit card accounts in the business group using some sort of set-off mechanism to recover some of the monies I never paid. I'm thinking in particular about a deal I heard on the radio between Yorkshire (building society or bank - I can't remember) and Virgin. But am i
  9. Hey folks, I took a small business to court because I believe there's strong evidence that their work damaged my car. At the initial hearing the court hadn't issued the letter telling us we needed to exchange evidence, so we were dismissed with a date to exchange evidence by (within a month) and told to return another day on a date set by a letter that would be sent out. That hearing cost me nothing because I was in a two week holiday. I receive a letter with the new hearing date on after a few weeks. Some time goes by and that month deadline for evidence arrives. I receive an e
  10. Hi guys, Mid February I was issued with a CCJ after moving house and not receiving the court documents. I have spoken to Citizen's advice who have discussed with me the possibility of a set aside and have sent me the court forms to fill in. I know that I need to act promptly and get this sent off but was waiting to speak to the claimant. I spoke with the claimant's Solicitors and we came to an arrangement for me to pay all money owed and for them to consent to set aside. They were very nice about this after speaking to them and hearing the issues I'd been dealing with and
  11. National Living Wage workers set for £600 pay rise from 1 April READ MORE HERE: https://www.gov.uk/government/news/national-living-wage-workers-set-for-600-pay-rise-from-1-april
  12. Hello! This site has proven of great help. I am posting here on behalf of my nephew. to cut it short, nephew was supposedly parked in an Ibis hotel car park and was not a guest. Received a ticket from Civil Enforcement Limited . He ignored it because it was not his vehicle having repeatedly told them. As a result, they took nephew to court. He was able to set aside the judgment because the claim form didn't specify what the amount being claimed for was and also, it was not signed by a 'person", but by a company. I accompanied him to court and the judge set asi
  13. Hi I recently became aware I had a CCJ for an old capital one debt. The debt had been passed to Lowells some years ago so I presume it is they that applied for the judgement. Judgement Date: 04/06/2015 Amount: £1782.00 I am pretty sure the above debt was statute barred at the time this judgement was received. Reason for this is that I stopped paying this and another debt with Barclays at the same time. I received a CCJ for the Barclays debt in 2011 at least 2 years if not more after I stopped paying, it may have been longer I am not sure. My question is when wou
  14. Hi I'm a little frustrated to say the least.. ..I've just made a drop off in a street in Newcastle upon Tyne (1.00am) - I noticed when I entered the side road that it was 2 way traffic but had calming area at the entrance/exit for one vehicle only to pass. It had 2 huge black and white "Sharp Deviation" or "Chevron" road signs on two black poles around 15 feet from the junction. I am pretty sure as this road is a normal road with no tight deviations that the wrong sign has been installed. I would assume when a chevron sign has been used it is informing motorists of dangers
  15. Hello, I recently found out I had a CCJ when I received a notice from the bailiffs. The notice was sent to my current address but turned out that the CCJ was sent to an old address. I immediately contacted the county court where the order was given and a very helpful court clerk told me to what to do. I completed the required form to stay the high court action and requested hearing to set aside CCJ. I now have a court date in April for set aside hearing Background ------------- I had been in dispute with a previous employer from around early 2014 where they claime
  16. That's right, our lovely DWP and JCP who want you to get back in to employment but when it comes to the crunch are unwilling to help you when you need a little bit of help and this set you up to FAIL! As you know I am on UC, I lost £95.00pm when moved from ESA and HB so am struggling. I have been applying for work but getting nowhere my work coach (work coach LOL) says to me "try registering with agencies and seeing if they can help" ... OK, I email a few agencies and I geta reply from Hays and speak with them on the phone about my work history and background etc. They te
  17. Hi All Received a letter from Mortimer Clarke today regarding a debt to Cabot Financial. Letter claims their client obtained a judgement against me on 04/02/2016. First paragraph says "Because you have failed to pay the judgement debt in accordance with the terms of the judgement our client is now entitled to take action to enforce the judgement order against you. Our client has instructed us to apply to the County Court for an Attachment to Earnings order to be made against you." Final paragraph says "If you do not contact us within 7 days , then our client has instructed
  18. My first time, so hope I am posting this in the right place? I've got a judgement set-aside against (hey!) Hoist Portfolio regarding an old Barclaycard debt (last payment made August 2011). Judgement was yesterday afternoon (6/11/2017) and now I have to launch a defence regarding BC mishandling of my original offer to settle in first quarter 2012. they ignored all communication from my solicitor and sold the 'debt' on to MKDP without telling us anything about it. Being that BC owed my nearly £8k in PPI at the time, (this was pointed out by my solicitor) and they went on to
  19. posted on behalf of a friend after checking her credit file because she was turned down for credit. it showed she had a CCJ. and has applied to for courts for it to be set aside on the basis she knows nothing about it today she has received a letter off cabots solicitors confirming it was for a mobile phone and papers were sent to previous address. it states that the is no prospect of setting this aside and invites her to withdraw her action whats the next step https://www.photobox.co.uk/my/photo/full?photo_id=10030744201[/img]
  20. A strain of influenza which hit Australia and affected 98,000 people, is set to come to Britain and could case our worst epidemic for fifty years. Will it or wont it.I am taking no chances how about you. The vulnerable groups include the over-65s, pregnant women, children from six to 24 months and those with long-term *illness such as *diabetes, heart disease and asthma. https://www.unilad.co.uk/health/deadly-flu-outbreak-in-uk-expected-to-kill-thousands/ Well i have not much time this morning to hang around. I am nipping off sharpish to the vets to have my Flu Inject
  21. Good evening everyone, I have a CCJ for a debt that has a default date of Sept 2011. The CCJ date is March 2015. I understand that the CCJ will remain on file for 6 years. However, make yourself comfortable, I was out of the country when the CCJ was issued. I have rarely worked in the UK for the last 10+ years and when I don't work I travel/survive. I can clearly show that for several months before and after the CCJ date I was not in the UK. Based on this I want to have the judgement set aside. If I wait a month and if this is successful, will the debt be too old and d
  22. guys what are the chances of getting a CCJ set aside due to the DCA admitting in court that they do not have a credit agreement? sorry for the lack of info, I'm in the process of gathering information as I am in a position to challenge the CCJ now thanks a lot
  23. I have a case with PRA, made a CCA request for information and deeds of assignment, they only write a letter to say they have requested for the information from OC and the deeds of assignment is a confidential information consisting of their business secret, but they agreed in the letter that they will bring it to the CCJ set aside hearing but they said they will blank out confidential info. What defence options do I have in this scenario ? No CCA request was honoured What happened in case the deeds has been altered as stated Also the fact that I have not been given oppor
  24. I am a homeowner who moved to Canada last year. I had a tenant at the property and set up temporary redirection which ended in a February 2017. I missed a January service charge / ground rent payment and within a week or so, my account was referred to solicitors. I became aware of this because I received a redirected mail from the solicitors. I immediately called the solicitors, informed them on the phone that I was now resident in Canada but would make immediate arragements to pay. I requested a breakdown of charges as well as the option to pay in instalments. They asked
  25. Made an application to set aside a judgement for a CCJ from a company called MOTORTRADES.CO.UK. Received a letter from the court yesterday stating hearing had been set for July 28th 2017 at 3.40pm allowing 20mins for the hearing. I suffer heavily with anxiety so was wondering what to expect at the hearing, the company involved I have found out has since closed up shop so doubt there be any resistance to the set aside application. I have also found loads of complaints on this company online where they have conned people into setting up advertising and websites
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