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    • OK. Thank you all for the input.  I'll ignore their letters of demand but NEVER ignore a letter of claim. I'm bracing myself for the stress as their demands £££ goes up and the case gets sent to debt collectors. 
    • OK.  It was worth a try. Their case is still pants and they have broken their own Code of Practice numerous times.
    • @BankFodder sorry for the delay and thank you for the lengthy reply. Yes, I agree. It's a small business and the guy is very very decent. I know someone else said my priority shouldn't be worrying whether he gets shafted but I'm not here to try and screw him over because I feel like if someone behaves decently and gets exploited, they might not behave so kindly in the future. I know DX mentioned he thinks I've caused the issue by leaving multiple instructions, but I have already explained why and both instructions were to leave it with a neighbour and there was nothing advising the driver to abandon the parcel on my doorstep. I don't think leaving it there could be considered a safe place.  I am still waiting on the retailer to respond. Ultimately, I wanted to know how he would proceed if DPD's response isn't favourable. I am certainly not looking to cause any problems. I just want my laptop. I will read the other posts for sure. I've been a bit preoccupied with family stuff. I have nothing in writing from DPD as I phoned them, but they did advise it should be the retailer that liaises with them. I tried contacting the driver straight after deliver via Whatsapp, as that's an option, but it said I couldn't send him a message and I have kept that log. We all know who took the parcel on our street, because that person has a history of parcel theft, but I don't have a doorbell camera or cctv. Police are refusing to intervene, despite the fact that I, along with several other people, spotted another's neighbour's parcel in said "suspect's" car and confronted her to get the parcel back. If the police had acted sooner, I might have had a better chance of getting the parcel back, but I suspect the laptop has long been sold on.  When the retailer responds, I will send him the link to this thread. Hopefully, he will benefit from the information on here as well.
    • @dx100uk none of the instructions advised them to leave the parcel on my door step and without such instructions., I'm struggling to see why they think it's ok to just dump it there.
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unknown ccj as guarantor for car finance - advice please


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Hiya asking some advice

 

- I have a ccj on my credit report that was registered In Jan 2015.

 

It was for car hire purchase that my ex husband took out and kindly added me onto it as a guarantor without my knowledge.

 

The original debt drops off my credit file in august this year and the ccj will be 6 years old in Jan 2016.

 

Do I carry on and leave it until it drops off or do I contact the court

and get it removed as I never received paperwork for it as I never knew that debt was taken out and my name used for it.

 

Thanks

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were you living where you are now

when the loan was taken out?

 

 

who got the CCJ?

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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No I have moved a few times. I think the ccj is registered against us both but as I'm not with him and haven't spoken to him since 2010 then I wouldn't know. It is showing I am financially linked to him

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well the CCJ will go from your CRA file in jan 2016

if it was registered jan 2010

 

 

I cant really see what you could achieve in 8mts

 

 

you didn't inform the creditor of a change of address

so you cant use the wrong address reason

 

 

and even if you did/could

you'd need a defence to you not owing the money

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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I didn't inform the creditor as I wasn't aware I was even part of the credit agreement - all I knew was that it came out via dd from the joint account we had at the time. It was an abusive relationship and i tried to cease contact as much as I could so when I discovered this I had no contact details for him. It's just affecting my life as I'm wanting to move house as expecting my second child but will instantly fail all letting agent checks

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It was for car hire purchase that my ex husband took out and kindly added me onto it as a guarantor without my knowledge.

 

How is that possible....did you sign as guarantor?

We could do with some help from you.

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Well as already stated it will drop off in 8 months.....you should have fought it in 2010.You could inform the CRAs and Registry Trust that the CCJ was a fraudulent credit application by your ex and have it marked on the files as same.Not really worth the expense and time and stress for another 8 months.

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 OTHER

 

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The debt is joint and several...so if they know were you ex resides he will be the first port of call.......If you contact the creditor and explain then they will know were you reside....the Judgment creditor has 6 years to enforce (execute) the CCJ so they have 8 months remaining to action this...then they will need permission of the court.

 

I assume you have never requested a copy of the agreement pursuant to section 79 as then they would know your whereabouts ?

We could do with some help from you.

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I did think about requesting it

 

 

but again like you say they would know my current address

 

 

although I'm sure if they wanted to they could find me.

 

 

Does the ccj drop off the register that the court holds as well after 6 years?

 

 

Thanks

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Unless set aside or cancelled, a judgment remains on the Register for a period of six years from its registration date.

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 OTHER

 

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