Howard Cohen/CL Finance CCJ Recd.

[AMH]

I have just recieved today a CCJ

Claimant: CL finance ltd ro kingston house

By Howard Cohen & co solicitors.

 

This is new to me , i do not know what the debt is for ?

 

Amount is £ 5943.23

 

 

What do i do . I opened the mail after i got in this evening, so could not call the court.

Please advise.

[MARTIN3030]

Welcome to the site.

Given that it is weekend theres not really a lot you can do until Monday.

I will move your post.

[creditcardmug]

Hi, a CCJ, out of the blue? what does it say?

 

I suspect this is a claim, not a judgement

[atwozee]

Hi AMH

As CCM asked – have you received a county court claim (form N1) from Northampton Bulk centre?

[AMH]

Hi

Thanks for the reply.

 

You are write , it is a judgement for claimant ( in default).

I contacted CL Finance, and the put me through to their compliant legal services, spoke to a nice enough chap called Shiraz. he advised they are a company who deal with welcome finance loans. Which I am sure i have never contacted requesting a loan.

I have not replied to the court yet , as i am unsure what to say?

I tried finding a number for HC & Co , dialed the number08707513202. Waited for ages but no one picked up the phone.

 

I suspect it is a case of mistaken identity.

 

Please advise.

[42man]

Hi AMH......we can help with this....can you please tell us what the POC's are ? (Particulars Of The Claim)...this is important, as you can order disclosure under the civil procedure rules to assist you in obtaining any paperwork they may have/not have. As far as the claim goes, you have to acknowledge the claim within 14 days of the date on the claim form, if you wish to defend then you must state that you want to defend, you then get a further 14+3 days in which to submit a defence....however it MAY be too early to submit a defence...

[atwozee]

You are write , it is a judgement for claimant ( in default).

 

Sorry – still confused – do you need to get a default judgement set aside or defend a new claim?

[AMH]

thanks for the reply awotzee

I believe i need to get a default judgement set aside. By that i understand you mean i need to contest it.

[AMH]

dear 42 man

 

thanks for the email, and offering hope.

The judgement for claiment is dated 15th april 2009.

Claimant is CL fianaceLtd RO Kingston House

Solicitors are Howard Cohen & Co

PO Box Cleckheaton

W Yorks

 

It states to the defendant:

You have not replied to the claim form, it is therefore ordered you must pay £5623.23 for debt and interest to date of judgement.

It is dated 15th april

 

there is a claim number in Northampton County Court

 

 

When i spoke to CL finance , they advise me they would most likley be chasing a loan for welcome Finance, which i firmly believe I did not do!

 

Sounds like your advise regarding disclosure under the civil procedures act i the way forward.

Could you please clarify , it is the solicitors i need to contact. Could you also direct me to a draft letter , to help my defence.

 

Many thank in advance

AMH

[atwozee]

You need advice on how to set aside the default judgement – hopefully someone will let you know how and on what grounds.

[42man]

If you have already had judgment, then you need to get this set aside immediately, a SAR to the original creditor might be wise, however if you have NEVER had a loan with Welcome, then it would be easy enough to set aside....this is how - Removal of CCJ's - Step by step guide to the process

[AMH]

If you have already had judgment, then you need to get this set aside immediately, a SAR to the original creditor might be wise, however if you have NEVER had a loan with Welcome, then it would be easy enough to set aside....this is how - Removal of CCJ's - Step by step guide to the process

 

 

Hi Thanks for the email.

I have since picked up the book by Patricia Pearl.

Although as you suggest , I need to set aside the order. I have still got to go through the proces of defending it. Can you please send me a sample letter , to defend this judgement for claimant ( in default) .

As I understand

I want to defend the claim, by a full defence.

I further want disclosure of the claim, as I know nothing of this claim.

So require to send a letter to HC Cohen to disclose what they have on me. And require a letter to send to court stating my defence of this claim.

 

 

Please help

 

Desperate AMH