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callumsgran

Just found a CCJ on hubby's credit file

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The last acknowledgement for the debt was 2006 and they got a CCJ after it was statute barred.

Can they do that without notifying us

They've used the last address they had for us but we haven't lived there for 8 years and have been traceable by the electoral roll


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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What was the date of the judgment?


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If the debt was already SB when the claim was made then you have an absolute reason for a set aside. Get the set aside application in on the basis that you were unaware of the claim, the paperwork was not received by you and that the claim was time barred under the Limitation Act.


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Bankfodder it was 17/08/2012 and i'm certain it was SB by then if not it was very close to it

I'll try and find my details

Just seems weird to me that Barclays have been able to trace us but not the Woolwich?

The debt was with Woolwich


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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The Woolwich were taken over by Barclays. I had a Woolwich current account for which it changed to a Barclays current account.

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Yeah I know they are all one and the same

I think they deliberately didn't FIND us so that they would get an automatic judgment against us.

They knew where to find us for hubby's other account


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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I bet it was a debt buyer not Barclay's that got the ccj then

 

DX


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Very likely dx the problem is we don't honestly know as we've never received anything regarding this loan.

We sent a DPA fo the PPI on this account and they only sent the details covering the top up loan insurance :x


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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well phone northants and ask?

 

 

or get a copy


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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We could do with some help from you

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Thanks Slick

 

Do you mean CCMCC dx?

Will they send me a copy? Sorry been away from this for a long time lol


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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if you ask they will

not sure if theres a fee mind

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi CG,

 

Have you looked at Trustonline - http://www.trustonline.org.uk/

 

:-)


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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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TOL will only really tell you the claimant and CCJ number

which is already on any cra file I think.

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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