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Unknown CCJ by drydens on an EGG debt***Claim Discontinued***


PCoombes100
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Hi

 

I recently checked my credit file with Experian as due to our family expanding my new wife and I will need to remortgage and buy a house.

 

On checking my file,

a CCJ was posted against me by Drydensfairfax.

 

 

I found out this was on behalf of Egg for a debt that is over 8 years old

and I thought statute barred hence why I'd had no contact for many years.

 

I am reluctant to contact Drysdenfairfax as I do not wish to admit any liability but at the same time,

I do not wish to have a CCJ on my file for the reason above.

 

I had not received any contact and have been on the electoral roll since we purchased our flat just under a year ago.

As there has been no contact, is there any way I can get it removed from my file without risking having to pay the approximate 5k on the CCJ?

 

Thanks in advance for replies.

Edited by PCoombes100
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You could attempt a set aside but you need a good defence to get it removed. The key here is whether they managed to get a CCJ if the debt was Statute Barred.

Contacting DD may be your only option outside of contactoing the courts.

 

You can get away with inquiring about where the CCJ has come from.

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Thanks for such a swift reply!!

 

If I attempt a set aside is that an admission of the debt?

 

 

It really is so long ago that I can't remember when, probably about 10 years.

 

 

The CCJ was filed a week ago, without my knowledge or prior warning!!

 

If I complete a set aside,

 

 

can I state the above points and will they work in my favour,

 

 

or, can it be rejected and then leaves me open to being pursued?

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Not at all... People get debts set aside at any point... You dont necessarily admit liability. Weve had cases of people with CCJs when they are not the debtor

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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did you inform your creditors you had moved?

 

if not sadly with the info to date theres nowt you can do

 

when was the CCJ granted?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi

 

I had no contact with anyone for so long as I was not paying any debt back.

 

 

As I thought it had been so long and hence statute barred I assumed (probably incorrectly) that it was not enforceable.

 

I had nobody to inform as I was not paying any debt, yet they filed the CCJ about 1 week ago under my previous address.

 

Thanks.

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if no-one is there to defend a debt that was sb'd

the judge will simply rubber stamp it.

 

if you can PROVE it was statute barred

when they got the CCJ

 

then you can set it aside.

 

however, if its not, you are going

to have one hell of a job

without a valid excuse & a credible defence.

 

why not gather the info?

 

send EGG an sar at their Canadian square address

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx.

 

If I send the SAR, they have 40 days to reply. As I only have 30 days to remove the CCJ what could happen if they drag their heels in responding?

 

Also, if for some reason it's not SB, although I'm 99.99% certain it is, will I be forced to pay the entire amount or can I try and settle or offer a plan?

 

Thanks again.

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get the sar done recorded

it will prob comeback.

 

 

yes prob be able to do payment plan IF they do 'win'

 

 

doubt it!

 

 

no harm in sending a CCA either to drydens

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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AFAIK yes

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

CCA to drydens

 

 

see what they do.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

moved to legals

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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remove the ccj?

no-one said that as such.

 

you need to prove the debt was statute barred by the date of the claimform.

 

have you looked at payments on say noddle credit file.

 

you indicated the CCJ was registered on your file about the 12th September

 

that means the CCJ was granted 28days before hand.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi dx

 

Thanks for your reply.

 

There is nothing on my credit report, with noddle or Experian showing that I have made payment or indeed had any contact whatsoever with Egg - ever?!

 

I am very keen to either remove/set aside the CCJ as I will need to apply for a mortgage soon and I know this will have big implications.

 

Thanks again for your help.

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why not give Canadian square operations [egg] a ring

 

 

and ask them when the last payment was made.

 

 

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

why its been thrown out

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

no harm in trying

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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