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Back in 2010 l took out a credit card with Lloyds TSB with limit of around £2,500. This account was always kept upto date and paid on time. About 2 years ago l ran into some financial difficulties and relied on this credit card for cash flow.

 

Then l paid about £500 off the card and they reduced the limit by the same amount. This caused me problems so l started missing payments. Made arrangements to pay, etc, etc.

 

No the less it got passed to SCM Solicitors and they wrote to me. The outstanding balance was just under £2,000 and l offered £1,250 as a full and final settlement, they didn't reply. They then took out a court claim, l replied saying l wished to make an arrangement, offered the settlement again and asked for a copy of the agreement, default notices and deed of assignment.

 

The defence was accepted by Northampton however SCM Solictors have completed an Application Notice for judgement in full, immediately WITHOUT HEARING and the Judge has granted this.

 

Firstly how can a judge grant judgement saying no responsible chance of defending the claim when l have requested information. Secondly SCM Solicitors have CHANGED the address on the documents from my home address to my work - l have not requested not authorised this. Finally the application notice from SCM Solicitors to the court is wrong - its states the "sum claimed at £9,709.59".

 

What should l do ? I can apply to have the judgement removed and a hearing heard via an application notice but that will cost £80.00. Why should l have to pay £80.00 when the judgement is wrong, the court has changed an address and l have not been heard

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Hi

 

I have moved your thread to the legal forum where guys will be along to help as soon as they are available.

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If the judgment has your work address on there is right of forced entry for a HCEO to a business address

As you admitted the debt on the defence you would of got the CCJ against you

 

Do you still have the court paperwork they sent yoo is the amounts and address different ?

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How the hell did hte debt jump from £2,000 to over £9, 000.. ??

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