CCJ from Cabot/restons lloyds credit card 'debt' - I knew nothing about

[mmfhater]

Hi all I moved a couple of months ago and

 

I have just been given some old post

 

in the post was a letter saying I had been taken to court by Cabot and

 

I now have a judgment for over a grand

 

I don't know what to do !!!

 

Help me please

[BRIGADIER2JCS]

Hi all I moved a couple of months ago and I have just been given some old post

It the post was a letter saying I had been taken to court by Cabot and I now have a judgment for over a grand

I don't know what to do !!! Help me please

How old is the post?

 

 

What is the date on the judgement order?

What has the judge ordered you "thumbnails" are too small to read?

 

 

Who is the judgement in favour of.

[dx100uk]

so the claimform was sent to your old address

 

did you not inform your creditors you had moved?

 

dx

[mmfhater]

Thanks dx100uk do have an email as I have done it to PDF and its ready to send

[mmfhater]

I was getting the post from my old address and hadn't heard anything from Cabot I don't even know what it is for

 

It says the first payment must reach them by 31st July and its dated 18th July

 

With the same batch of letters I collected was also a letter from money save solutions saying I had a ccj and they could possible help and there was a voucher for £50 saying they will pay the court fee if they can help

[BRIGADIER2JCS]

I was getting the post from my old address and hadn't heard anything from Cabot I don't even know what it is for

 

It says the first payment must reach them by 31st July and its dated 18th July

 

With the same batch of letters I collected was also a letter from money save solutions saying I had a ccj and they could possible help and there was a voucher for £50 saying they will pay the court fee if they can help

 

 

Does the form state from what the debt has arisen.

 

 

Nee a view of those forms please.

[mmfhater]

No it does state what the debt is for

Claimant is Cabot financial and payment address restons solicitors

 

I have looked on noddle and apparently its for a credit card

Edited July 27, 2014 by mmfhater

[dx100uk]

what is the default date please

 

if you have the PDF done

attach it here via bottom right go advanced/manage attachments

[mmfhater]

The default date on the credit file 10/14 but Cabot has it marked for default from sep 12

[dx100uk]

????

 

what is the default date in the debts top summary line?

 

dx

[mmfhater]

I have rung the court today and have found out it is a real ccj

I told them I never recived any forms ect from Cabot and they said I could contest it but I think I may need some help as I have not been in this position before

 

The court told me to ring the solicitors andetbthem know but all I got was an answering machine saying to leave a message and they won't get back to me ASAP

[dx100uk]

did you inform your creditors your had moved?

 

if not

and the redirect had run out by the start of the court process

 

you are going to have a bit of a job setting the ccj aside.

 

you need a valid reason to set aside a judgement.

 

if the redirect had already ended, then you are going to have trouble here with one.

 

dx

[mmfhater]

I didn't redirect the mail as I was picking it up every week as I done a house swap

[BRIGADIER2JCS]

I didn't redirect the mail as I was picking it up every week as I done a house swap

You need to find out who the original creditor is asap.

Have you checked your credit files?

[mmfhater]

Yes the original crediter is Lloyd tsb for a credit card and the court said on the phone Cabot buys debts

[AndyOrch]

Should you be able to set this a side mmfhater would you be able to offer a plausible defence?

 

Regards

 

Andy

[mmfhater]

All I can realy think of is saying I moved and didn't recive the form and I think most of the money is bank charges and the. Costs are to much at £152

[BRIGADIER2JCS]

Yes the original crediter is Lloyd tsb for a credit card and the court said on the phone Cabot buys debts

Showing on credit files?

What was the default date?

[AndyOrch]

All I can realy think of is saying I moved and didn't recive the form and I think most of the money is bank charges and the. Costs are to much at £152

 

You need to act fast then as that is the part of qualifying reasons in making application...first stop contact the court that issued the judgment and request a copy of the claim form (N1)

 

Then head over to the legal library and download the N244...this is the form for making application to set a side...without a hearing the fee is £55.00 with an hearing is £155.00.

 

Regards

 

Andy

[mmfhater]

Original default date is 29/11/10 and the markers on my file from Cabot start from September 2012

[mmfhater]

should I send a CCR letter to Cabot or lloyds ??

[mmfhater]

Just got off the phone to the courts

The lady said she can't send me a copy as it was done electronically and she also mentioned the date 2004 ?????

But she will send me details !!!

I also got her to put a note on that I tarted to contact restons but all I kept getting was answerphone saying they won't contact me ASAP

 

Once I get all the stuff they are sending I will go down the Internet shop and scan them and post them up

[AndyOrch]

On the scans that you have posted it states payment date from 31st July 2014....does it refer to a judgment date and claim number?

[mmfhater]

I belive the judgement date is 18th July That is only other date on there

 

the claim number was at the top of the letter I had covered it over

[AndyOrch]

And you rang the court to request a copy of the claim and she told you it was issued in 2004 ? 9 years ago ?