Unknown 1st credit ccj for Halifax overdraft

[od1]

Hello all, trying to keep it simple to start.

 

Partner and I had joint bank account with Halifax about 3 years ago,

ended up living in overdraft due to income problems and it was at £2000 when partner went bankrupt.

 

I presumed overdraft was included in bankruptcy as the bank closed the account

and we didn't appear to hear anything from them.

 

In the meantime we get married, my name changed, any letters I received in maiden name I binned

as I thought they would be junk.

 

I know now they probably weren't junk as my neighbour had a letter addressed to my maiden name

delivered by mistake (which he'd opened and read!) from dca

stating that although they've gained a ccj against me as I haven't paid

they can apply for an attachment of earnings, bankruptcy, something about our house, etc.

 

I honestly had no clue,

I don't know when this was issued, nothing.

 

Obviously I've been stupid about binning everything,

feeling sick and don't know what to do next.

 

I'm currently on a long weekend of working long shifts so don't have the details with me yet.

 

Hoping someone can calm me down a bit.

 

Thanks

[dx100uk]

firstly i'd get your credit file and investigate the CCJ

 

via northants once you have the CCJ number.

 

dx

[od1]

Ok, I've got the case number.

It's in my maiden name at my current address

Judgment date 22/05/2014

Amount £ 2,074

Court name County Court Business Centre

 

Now I have that information, I don't know what to do next?

[dx100uk]

ok so phone northants quote the number

 

ask for a copy to be sent to you.

 

name names too

 

whos the claimant and their solicitors

and whos the DCA chasing you now

 

prob Lowell/carter or BW I would suspect.

 

dx

[od1]

Thank you. I'm guessing they're not open weekends?

 

I'm working till Monday afternoon so will call them then.

 

I don't have the letter that kicked all this off today with me

 

so I'll get that info up when I get home in the morning.

 

Thanks again, still feeling a bit sick about it all but better that I can maybe do something about it.

[dx100uk]

until we get all the info you/we don't know

 

i'm not best minded on on BK stuff

though can you not check with the BK advisor/trustee is it?

if it WAS included

 

might give some answers.

 

if it was you can easily get the CCJ set aside.

 

dx

[ploddertom]

If your partner was declared BR his role in this will be at an end. However as it was a joint account the onus to pay will fall upon yourself - joint & several liability. I wouldn't hold out much hope of gaining Set Aside if you binned everything that came. You may have to submit a Variation Order to be able to pay monthly at an affordable level.

[BRIGADIER2JCS]

It is important to name the DCA involved in this certain companies will "abuse" both the BR system and the county court procedures.

[od1]

This is the letter my neighbour has great delight in giving to me:

 

Letter headed Connaught Collections

 

Balance: £2074.36

Client: 1st Credit Limited

 

We write with regard to the above account and despite obtaining a county court judgement against you, you have failed to pay the monies due and owing to our client.

 

Our client has now instructed us to review this file, for the purpose of taking one or more of the following enforcement proceedings:-

 

Warrant of execution

Attachment of earnings

Charging order

Bankruptcy petition

 

If you want to avoid enforcement proceedings being commenced against you, which will result in further costs and interest being added to this debt, please contact us on 01737 237374 within 14 days of the date of this letter.

 

Yours sincerely,

Andrew Athineos

Head of Connaught collections.

[dx100uk]

so what was the outcome of the court phonecall

 

was the CCJ addressed to where you live now?

 

have you moved since taking it out

 

dx

 

 

dx

[AndyOrch]

You need a copy of the claim form before you can start to resolve this.

 

Regards

 

Andy