Unknown CCJ for Cap1 card debt - can i do anything?

[meandbex]

i found out 3 years ago after splitting from my ex that she obtained a credit card online in my nam ewith capital one.

 

When i was at work and mr postie came all traces of staments and the card itself were never known to me.

 

I was issued with a ccj in 2005 but again as stated above did not know this until 3 years ago after splitting from her and getting a mortgage. Luckily Halifax didnt hold this against me.

 

The amount was for £530. The ccj is up in 08/2011

 

Is there anything i can do about this, ie the fact that the court letters never got to me to defend the case etc, or shouldi try to obtain a cca?

[spamheed]

If someone took out credit in your name, then you should take it up with the police

[meandbex]

i understand that bu ti have 2 children from her that live with her

[Bazooka Boo]

Inform the Police of this fraud, and get the CCJ set aside and off your credit file, or if you don't want to rock the boat, live with the consequences of having a judgement filed against you and pay money you don't owe?

[meandbex]

i havt paid a thing to em and dont intend to

[Bazooka Boo]

i havt paid a thing to em and dont intend to

Thats OK until they send the bailiffs round for failing to respond to the court order, and regardless of whether or not you protest to them your innocence, they will do a walk in posession and levy goods to the value of, if you let them in of course.

 

So your option's would be to pay the Judgement ordered by the court, or report the matter to the Police and get this set aside as it is fraud and nothing to do with you.

[spamheed]

i understand that bu ti have 2 children from her that live with her

 

 

Unfortunately the facts remain the same, unless you state publicly that this is not your debt, that someone has taken out credit in your name, then you will be believed to be liable for the debt.

 

Please understand that there is no attempt at flippancy or dismissal of your situation, the DCA and the OC believe that this is your debt, unless you tell them otherwise, that is the way it will continue.

 

You can go through the usual CCA requests and refute the CCA as fake/fraudulent, but nobody will believe your sencerity without a crime number (at the least)