CCJ & Defaults advice needed

[liquidauctions]

Hi

1.I recieved a CCJ in 2009. I was not in the property at the time and was informed of the CCJ by my bank. The amount was £936 but that was not a correct amount and was an esitmate (bill). I asked them to send me in writing the actual amount (£395) as I didnt want a DCA chasing it after I paid and gave them my new address. I called a week later stating I hadt recieved anything so they said they will re-send. Waited another week and again nothing so I called and I was told they were sending documentation to a different address as they didnt have my new address on their database. I decided to save time and pay the amount by card.

 

I have filled out a N244 and will file tommorow, what do my chances look like?

[liquidauctions]

2. BCT

My car was subject to an insurance claim, I was furious when BCT stated that i had to keep paying installments untill the insurance paid out. I made 1 months payment and then called up asking for terms highlighting the point where it states i have to keep paying when my car has been confirmed written off. They cancelled my direct debit and sad they will wait for the insurnce to pay out.

They then defaulted my credit file stating i had missed out a single payment and the fact they are allowed to default after a month. They are not even sending out a full SAR and just sent a copy of the HP agreement which they have made 2 mistakes which are. Hand written account number, PX value shown as nil when it was £1000. and a default notice which i didnt get

Thanks in advance

[dx100uk]

this is the hello forum

 

you need to start your threads in the right forums esp if this is two separate issues.

 

dx

[sir_gilmour]

Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.