CCJ from Lowell/BWlegal on a 1996 Halifax? card never owned - help to set aside?

[Rhysm]

HI there, in need of a little help and advice.

 

I recently received a Judgement for Claimant letter from Northampton CCBC,

with Lowell Portfolio as claimant and bwlegal acting as solicitors for a debt of £4,279.36

 

When i read this i was in total bewilderment as to what this could be about, thinking that it was a fake letter.

 

When I called the number for the courts on the letter and gave claim number they confirmed that it was in fact real.

 

They advised me to complete form N244 with a request to 'set aside'

and contact bwlegal to get more information relating to this claim.

 

One thing to note is that I never received a Claim Form for this prior to getting the Judgement for Claimant letter,

and have never received letters from Lowell or bwlegal.

 

I do however recall getting phone calls from a Lowell Portfolio,

but because i would not give them any personal information until they told me who they were

(as i had no clue) and what they were calling for,

they would just say they cannot take the call any further until I confirm some details.

 

When I called bwlegal, they informed me it was for non payment of a debt with HBOS

and was for a credit/store card that was taken out in 1996.

 

They informed me that the last payment made on the account was for £6 and was made in August 2008

with a writing of balance of £2,986.36.

 

The thing is, I have no knowledge or memory of this debt ever existing,

I have never banked with Halifax Bank of Scotland in my life

and have certainly never taken out a credit/store card with them.

There is not even a record of this on my credit file, apart from a CCJ relating to this.

 

What do I need to do to get this 'set aside' and dropped all together?

 

Any help and advice on what I need to do with this would be greatly appreciated.

[dx100uk]

Did you ask the court to send you a copy of the CCJ?

 

dx