CCJ Help Please

[Teldave]

Today I checked my credit file found a Multi agency report website

 

I was totally gobsmacked to see a ccj reported on there dating back to 2010 which was served at my Sister's address which we lived at for a period of 2 weeks back in 2009

 

I phoned the issuing Court and finally got info that it was a claim by RBS issued by Earlswoods which I have no idea what for and never received any notification prior to CCJ to give me any chance to remedy or defend

 

Again surely almost 4 years since it was awarded never received anything about this

 

As you can imagine I am very upset that these people can just go to Court and get a CCJ against you without you you having any knowledge

 

Any help appreciated what I can do to get this removed

 

PS I had to post in the welcome forum as the debt forum legal forum would not let me create a new post this is the only place I got option to create new thread

[honeybee13]

Hello there.

 

I'll move this to financial legal for you. What happened when you tried to start a thread there please?

 

My best, HB

Edited October 16, 2013 by honeybee13

[Teldave]

Hello there.

 

I'll move this to financial legal for you. What happened when you tried to start a thread there please?

 

My best, HB

 

 

Hi Honeybee so appreciate the quick response

If I go into any other forum ie debt or legal I don't get the option to post a new thread only in the welcome forum do I see a link left side which allows me to post new thread

Edited October 16, 2013 by honeybee13

[honeybee13]

Thank you for that. So if you come out of this thread, then scroll up past the stikkies and subforums, you can't see a blue button on the left side that says Post New Thread on it in white?

 

HB

[Teldave]

Now I do see this marvelous thank you so much for your help and putting this where it will get response and hopefully some great help from the fab CAG people

[honeybee13]

I'm sure people will be along later, please bear with us until they can get here.

 

HB

[dx100uk]

so how come they served it to that address?

 

if you were only there for 2 weeks?

 

did you take out any credit using that address

or register on voters there or a mobile account?

 

if you can PROVE it was purposefully served to a known wrong address

to enable them to get a default judgement

you can get it set aside.

 

the issue you have now is wht to actually do.

 

if the CCJ has never been chased

then on its 6th birthday it will vanish

and it'll be pretty diff for it to then be enforced.

 

if you get it set aside

that will cost a bit of money [£45 I think]

 

then it will re awaken the debt and reset it to before the CCJ

and they will restart to hound you. as they'll know where you are.

 

not advocating debt avoidance as such, but sometimes sleeping dogs....

if you don't want a mortgage etc etc before it goes its not harming you at present.

 

do you remember anything about the debt?

 

you say RBS, was this a mint card or an overdraft?

 

last payment before that date?

 

I see you had mega troubles some years back too.

 

dx

[fkofilee]

Agree here, Debt avoidance normally is a no-no

 

However i agree with DX... They have the methods to trace you and enforce but if they havent then on its 6th birthday, itll go.

Now question... How much was it for?

[Teldave]

Hi All

 

As usual the people on here are fab

 

it was for £5,999 but I seriously have no idea what it is for

 

the court told me it was Earlswood on behalf of RBS but I received no paperwork

 

Bit of a family drama hence only being at my sisters for 2 weeks

but the original plan was to be there longer so changed my bank address

and had our post forwarded to this address for about 6 weeks

 

I did have a really bad time a few years ago and I read my old posts and I cant believe where I was then to where I am now

thanks to the great help on here I got strong and fought back rather then be a quivering wreck and thinking the only way out was to end it all

 

I think if I had known about a CCJ then it would have pushed me over the edge!!!

 

I think as per the comments I should leave it alone

if they contact me and it proves to be valid then I absolutely will pay it but without details I not going to offer them free money without valid proof

 

I come onto site once a month or so to make a donation when I can and to see if I can offer support to anyone else as without the support

and help I received I would not be here now

and getting my life back in order

 

I seriously cant thank the people on this site enough it literally saved my life

 

THANK YOU ALL

[dx100uk]

I doubt it was RBS that took you to court

 

I bet it was someone like Britannica.

 

as RBS sold the debt - earlswood work for the brits.

 

might be worth your while to SAR RBS

 

dx