Unknown CCJ Cabot/Next - Order tp Pay Arrived - help

[Ebyiyamu]

Dear sir/madam,

 

I have a few credit and store card debts over six years old and have been getting threatening letters, which I have unfortunately been ignoring.

 

Now, I have received a letter from the county court, regarding one of the debts, ordering me to pay back the claimant,

 

 

and if I do not pay, my goods may be removed and sold,

or other enforcement proceedings may be taken against me.

 

Please help me, I am desperate.

[citizenB]

When you say the debts are over 6 years old.. do you mean that you entered into the agreements in 2008/2009 or that you have not made payments for over 6 years ?

 

In order to have received that Judgment from the court, there would have needed to have been a claim issued against you.

 

Did this happen and did you respond to the court claim by acknowledging and submitting a defence ?

[Ebyiyamu]

Thank you for the quick response.

The agreements I believe was made in 2004/05. I am not sure of the date of my last payment.

Yes, a claim was issued, but I never got that particular letter, so I did not acknowledge or submit a defence.

[citizenB]

If you did not receive the original claim form, then you might be able to get this set aside.

 

Had you moved and they sent it to the wrong address ?

[Ebyiyamu]

No I did not move, but I never got that particular post.

[Ebyiyamu]

I have read the information on applying for a set-aside.

However, I do not have the confidence on writing my defence.

Could I please get some help with a template if possible?

[dx100uk]

easy to do no sweat.

 

 

what date have you got to respond by?

 

 

have you phoned norhtants and told them you did not receive the claimform?

 

 

might be an idea to ensure you have the CCJ number to hand when you ring.

 

 

dx

[Ebyiyamu]

Thanks for the quick response.

Yes I have phoned them.

They said I have 28 days from the day of judgement, which is the 19th of January, to either make the payment or request for the set aside.

[dx100uk]

ok you need all the background on the debt you can find and tell us

 

 

what was the debt & who was the original creditor?

when did you last pay/use it?

who got the CCJ?

 

 

then we can go from there

 

 

might be an idea to go get your credit file too

noddle is free see below

 

 

dx

[Ebyiyamu]

The debt is for Next Catalogue

I do not know the exact date I last used it, but is more than 5 years.

The CCJ is with Cabot financial UK ltd

Edited January 28, 2015 by Ebyiyamu
to add more texts

[dx100uk]

go get your credit file