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    • Post #415 you said you were unable to sell it yourself. Earlier I believe you said there had been expressions of interest, but only if the buyer could acquire the freehold title. I wonder if the situation with the existing freeholders is such that the property is really unattractive, in ways possibly not obvious to someone who also has an interest in and acts for the freeholders.
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CCJ with Wescot SPV - ***Set a Side & Withdrawn***


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Hi Everyone.

 

Ive read this forum daily over the last few years and now I need your help if at all possible.

 

I applied for a job recently and was offered a position pending credit checks and crb checks, I gladly gave my information as have nothing to hide and had no issues to worry about.

 

2 days later the company rings me and says that my contract offer would have to be withdrawn as I have a CCJ worth over £10,000 with a company called Wescot SPV limited

and this was granted in July 2012.

 

This is the 1st I have heard of it.

 

I have contacted Wescot SPV and they state it is from a debt taken out with the Co-Operative Bank in 2007

and I have failed to repay and not responded to letters or calls.

 

I have NEVER taken out any form of credit/debt with the Co-Op and definitley not taken ANY loans/cards/store/finance since 2004 after paying my old debts off after the sale of my house.

 

I asked Wescot SPV to send me through the post, proof that the loan was infact mine,

any signatures,

any evidence

and as yet (3 weeks later) I haven't had a thing off them.

 

I also asked where they had sent letters to and they responded

" to your last known previous addresses"

 

Now since 2010 I have been living with my wife and kids and registered on the Electoral Roll, so any basic search would show I live here.

 

Ok ok im waffling..

...so..

 

..I have since sent to the court an application to have the CCJ set aside,

and stated that I knew nothing of the court summons as they have sent forms/letters etc to the wrong address,

and dispute the debt as I am 100% sure It is not mine.

 

I have now received a letter saying the application is now transfered to Newcastle Court and they will issue a date for a hearing.

 

What I want here, is some advice, what else do I need to do, what will help, what can I prepare for etc?

 

Many thanks

Edited by morlspin
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Hi morllspin and welcome to CAG.

 

No preparation required if the debts not yours just set a side and request costs for the application.

 

How did you find out they had sent the set a side forms to the wrong address?

 

Regards

 

Andy

We could do with some help from you.

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Hi morllspin and welcome to CAG.

 

No preparation required if the debts not yours just set a side and request costs for the application.

 

How did you find out they had sent the set a side forms to the wrong address?

 

Regards

 

Andy

 

 

Hi Andy

 

Thanks for the welcome, much appreciated.

 

Sorry, Im not sure if ive written it wrong or you've read it wrong but the set aside was asked by me 3 weeks ago after finding out about the debt.

 

Wescot claim to have been sending letters to my old house which i owned between 2001 and 2004, and since then have been on the electoral roll at my parents betwen 2004 and 2009, then I moved in here and have been on the roll since 2010. Making me not very hard to locate.....

 

They claim to have sent me letters, defaults and a court notice for CCJ, but when ive asked at the old property, no letters were there for me, and none received at my parents address either.

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Ah ok well you have submitted and got the hearing...just attend...they probably wont...but dont forget to ask for your £80 application costs and time of work (1 day) £90.00.

 

Best of luck.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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make sure they've not trashed you cra file too

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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You could make a request via CPR 31.14 providing you have sight of the summons and particulars claimed.Do you have the a copy of the summons?

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Hi Andy

 

I have no documents whatsoever.

 

I got the information regarding the CCJ off the company I was hoping to work for and contacted Wescot regarding it. It was them who told me it was from a Co-Op debt in 2007. I got reference numbers and filed the Set-Aside documents and thats been dealt with saying Newcastle Court will issue a date soon.

 

I asked Wescot for all evidence, any signatures, any documents to be sent to me as I had received nothing prior, and they haven't been in touch since.

 

Graeme

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Unless you can get hold of a copy of the the Particulars, CPR 31.14 may be pointless.Do you know which Court issued judgment...perhaps try for a copy from them.

 

Andy

We could do with some help from you.

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It was Northampton County Court that issued the CCJ.

 

Ive done a lot of googling the last few days and it seems that this is a particular ploy by Wescot. They send the documents to incorrect addresses and file at Northampton for a speedy decision, they always win because people cannot defend themselves as they know nothing about it.

 

Hope that Newcastle give me a date to sort this out asap

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Ask Northampton if they have a copy.Then you can see their plea...... failing that what about about a CPR 18 request? You can only ask for information not docs though...hence the need to get hold of the summons.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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  • 1 month later...

Hi Guys

 

Update on whats happened:

 

In the 2nd week of december I received a court date of 24th Jan 2013 at Newcastle to argue the case.

 

Today though I received a letter from Wescot SPV which states this:

 

 

We have reviewed your application and made attempts to contact the original

creditor to obtain documents in relation to this matter.

 

In response to the issues you have raised. We can confirm that we made

reasonable attempts to contact you. We did not attempt to deliberately obtain

judgement against you and have acted reasonably throughout.

 

In view of the dispute you have raised we do not intend to persue this matter

any further, and are willing to set aside the judgement and withdraw our claim

with no order as to costs.

 

We enclose a consent order for you to sign and return a copy to us so this

can be forwarded to the county court with a fee.

 

Should you wish to discuss this further..............etcetc

 

So....what should I do now....my aim was to have the judgement removed and cancelled, this looks like it will happen so I should be happy.

 

But now Im wondering if I should be looking to claim against them for costs and compensation because I have been refused employment due to the judgement (i have a letter stating this off the company I applied to)

 

I also was refused a current account off Halifax bank due to negative credit checks.

 

So guys.....what would you do now?

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Accept their withdrawal...that closes the matter on the claim...then consider any future litigation as a separate issue.

 

Well done morsplin I will amend your thread title to reflect your result..

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Accept their withdrawal...that closes the matter on the claim...then consider any future litigation as a separate issue.

 

Well done morsplin I will amend your thread title to reflect your result..

 

Regards

 

Andy

 

Thank you for you're help Andy , much appreciated again

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  • 4 weeks later...

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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what about compensation?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Compensation would be nice, I lost the 1st job through the ccj and a 2nd job was scuppered when they asked if I would pass a credit check, i had to say not at the moment and explain, they said re-apply for a job when its cleared.

 

Also, thanks Andy again!

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yes if you can prove that the false CCJ harmed you

 

you are in for £1000's!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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