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


PCoombes100
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Hi all,

 

As I am soon to be applying for a mortgage with my wife I have been doing some 'housekeeping' with my credit file.

 

Experian say my record is excellent, I have no missed payments, am on the electoral roll, a low amount of debt and percentage used of available credit - however, there is a surprise CCJ on my file, from of which I am not liable to pay.

 

It is for a debt that is easily 10 years old, so I figured would be statute barred, as I had no contact about it for many years. It was sent to my old address around a year after moving out, (I had not informed anyone, as had received no contact regarding the alleged debt), I had setup a royal mail redirect, yet received nothing during the 6 month redirect period.

 

I understand i need to complete a N244 form, but as I wish to remove the CCJ, am I liable to pay for court fees, as I am concerned I would have to if the CCJ is unfair?

 

Many thanks in advance for help with this

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you'd need to prove the debt was sb'd by the time the claimform was issued.

 

 

the fact that you didn't inform your creditors of your change of address

unless there is another 'excuse' , invalidates your set aside for

it being sent to an old address even with a redirect inplace.

 

 

I don't think claimforms are redirected either

doesn't their envelopes say do not redirect ?

 

 

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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thanks dx

 

since finding the ccj, I have asked for proof of me owing the alleged debt, but have not received a reply/proof.

 

how am I able to prove I don't owe it/it is SB'd?

 

also, if they weren't a creditor, and I had not had contact from them for many years, how/why should I inform them? there is no outstanding debt on my Experian record, nor had there been.

 

thanks again for your help

Edited by PCoombes100
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What date was the judgment placed on your CRA,s?

 

You need to request a copy of the claim form from the the court of issuance (most probably MCOL Northampton)

 

Andy

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thanks andy,

 

it is from september 2014 at an address which i left in january 2014

 

there is nothing on my CRA file about any owed debt though?! hence the confusion!!

 

thx

 

But the CCJ is ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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yes, there is a CCJ, but no record of an outstanding/unpaid/defaulted debt, whom it is owed to, or when defaults occurred etc.?!

 

what i am trying to establish is do I have to pay the £155 if it as an unfair CCJ that i have received no contact about?

 

thx

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threads merged

 

 

think we've already travelled this road.....

 

 

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

so did you get the sar stuff back and prove it was statute barred before the guestimate claimform date?

 

 

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

Well to set it a side you need to prove it was statute barred before the claim was issued.

 

If it was you need to make application... fee is currently £155 soon to be £255...unless you have evidence in black and white of it being statute barred before the date on the claim form...don't waste your efforts or money.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your Topic please PM me a link to your thread

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Of course you have to pay the fee....unless you are exempt....if your application is successful then you can ask for the fee back as a costs...the court may allow.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your Topic please PM me a link to your thread

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Dont do anything application wise until you post your findings here of the dates of default and the date of the claim form

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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Agreed..... with the claimant and solicitor...I was referring to Egg.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hi Andy

 

It may be me being over cautious, but by me calling Egg, would that cause any potential issues with the claim/CCJ etc?

 

Also, I don't have any account info/reference numbers so if my case has been passed on by Egg, how could I obtain the info?

 

Thx again

Edited by PCoombes100
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nope egg are nothing to do with it anymore

 

you really need to find out your last payment or use date.

 

 

as back in september last year you needed to SAR them ideally

 

 

if you can prove it was SB'd by the time the claimform was issues

you have a good seta side reason

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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Canadian house 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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Quick update, I have called and written to both Egg and Barclays (as advised that they may have purchased Egg accounts).

 

 

Neither company has a record of me?!?!

 

I have now applied to the CCJ to be set aside so will update when I have a reply.

 

Thx again for all help

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contact Canadian house 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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