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HELP - Howard Cohen - Application For Chargng Order!!

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Please I need your help people.

 

Today I recieved a application for a charging order from howard cohen. This is concerning a CCJ from January 2008. I never knew about this Order until Howard Cohen sent me a letter, stating that a CCJ had been made against me. When I asked why I hadnt recieved any documents concerning this, I was informed that they had ent everything to a old address and that it was my problem, I asked to see a copy of the CCJ, but was told I couldnt and I would have to pay. I agreed a installment plan with them, which I have to admit I didnt keep to.

 

What are my options?? Im happy to pay the debt of in installments, but is that now to late??

 

The fact is, the flat of mine already has 3 charges on it, as I brought it though a goverment scheme. And is in negative equity to the tune of £50k.

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Forgot to add, Im a novice when it come to this stuff!!

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Howard Cohen is being slightly disingenuous here. If they are claiming to a have had a CCJ awarded in their favour against I would have thought thye would be eager to give you the details.

Before going any further I would write to them formally requesting proof of the CCJ. A mere assertion isn't good enough.

 

Alternatively you could contact the Northampton County Couty Bulk Centre (CCBC) and ask there, although without a case number you won't get very far.


I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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The letter I recieved today has the original judgement with it, but I was never made aware this account was even going to court in 2008. They sent the summonds to an old address, so I had no way to defend myself. They them contacted me and told me i had a CCJ against myself, I asked to see a copy and was basically told it didnt matter weather I saw it or not. It exsisted and I had to pay. Ive been paying by installments but have missed a few and now they have issued this charging order. What can I do??

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The letter I recieved today has the original judgement with it, but I was never made aware this account was even going to court in 2008. They sent the summonds to an old address, so I had no way to defend myself. They them contacted me and told me i had a CCJ against myself, I asked to see a copy and was basically told it didnt matter weather I saw it or not. It exsisted and I had to pay. Ive been paying by installments but have missed a few and now they have issued this charging order. What can I do??

 

They are past masters at this. I take it you have the claim number for the CCJ?

 

If so check that it's genuine.

 

Then you will be looking to stay the charging order whilst you set aside the ccj.

 

But first and formost check with the court that this is real

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Thanks for the reply.

 

How would I check its genuine?? And where would I even start when it come's to staying te charging order?? Sorry..im a tad of an idiot when it comes to this stuff....also what are my grounds to have the CCJ set aside, is it because I wasnt ade aware of it, when they first went for it??

 

Agains cheers for any help/advice.

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Thanks for the reply.

 

How would I check its genuine?? And where would I even start when it come's to staying te charging order?? Sorry..im a tad of an idiot when it comes to this stuff....also what are my grounds to have the CCJ set aside, is it because I wasnt ade aware of it, when they first went for it??

 

Agains cheers for any help/advice.

 

I assuming you have a court order with a 'in the court of' and a claim number on it?

 

So you ring the court and ask them to confirm the court order.

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What was the debt and approx value?

 

Have you got any paperwork for the debt?

 

Your grounds for set aside would be something like the papers were sent to the wrong address (funny how HC got your address right after the ccj eh - standard tactic) and you do not recognise the debt and were not given an opportunity to defend.

 

1st get the CCJ confirmed then we'll look at staying the charging application whilst you apply for a set aside.

 

- Basically you have to fill a form in and pay £75 - think thats the right amount.

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