In July 2007 During my time at HBOS I became severely ill with encephalitis (similar to meningitis) which left me disabled and stuttered and completely inaudible amongst other symptoms. As a result In 2008 I was let go by HBOS after 8 months of SSP - due to my long term sickness.
Unsecured loan 1 - From HBOS - £5000 (New Car)
2007 unsecured loan from HBOS - last payment must have been Late 2007 early 2008.
I applied under my PPI insurance during the first few months of my illness and I believed that was that. as I dont remember much of the following 2 years as I fell into a coma and began battling for recovery.
So Now Joy of Joys - I have a default CCJ on my credit file for £4001 as of 2013 -
I have just recieved yesterday an annual statement from 1st Credit detailing financial Transactions over the past year so i believe they where the claimant. Must have bought the debt.
So I am going to apply to have the CCJ set aside and wanted some pointers/tweeks/amendments on my reasons/evidence..
Should I acknowledge the debt??
Should I chase the Payment Protection Insurance Claim I made in 2007 with Halifax?
I missed the Hearing for the judgement as I did not recieve any correspondance from the courts hence I was unable to file a defence or attend a hearing.
I have only just become aware of the judgement as it was highlighted by a prospective employer.
Ok guys that is Debt 1 - your assistance is kindly requested
Thank you everyone..
Oh wait Did I even post this in the right section???? Coz like I'm'a such'a CLEVER!!!!
Help please Modz SAVE ME from my cleverness