carter/lowell unknown CCJ Creation Finance Photoshoot Loan

[rwhitehead]

Hi i am new to the forum and would appreciate any help or guidance through the tough battle i have on my hands.

 

i have recently received a letter from Bryan carter solicitors i have attached this.

 

this is the first letter i have received regarding this issue from Bryan carter i have never received any correspondence from the court regarding any court appearance or debt acceptance form. i have not even received any confirmation from the court regarding the award of the ccj to Bryan carter or the amount set as per the repayments.

 

the debt is for private photography images that were never accepted and sent back to the supplier back in 2007. I have never been in receipt of any further correspondence with the digital media supplier and have never acknowledged any of this debt since then.

 

I now want to have this ccj set aside and to formulate a defence against Bryan carter in a view to have the debt cancel due to being statute barred and mainly due to the fact the product was returned and the claim should never have been set against myself

 

any help with this would be much appreciated and i want to get a letter out to both the court and Bryan carter this weekend

 

thanks in advance

 

Rebecca

[dx100uk]

attachment needs to have pers info removed

and converted to PDF please

i've removed it for you.

 

 

dx

[dx100uk]

do you know the date of the ccj and the date you last paid the loan ?

 

 

see your credit file.

 

 

does the debt show?

 

 

dx

[AndyOrch]

"the debt is for private photography images that were never accepted and sent back to the supplier back in 2007. I have never been in receipt of any further correspondence with the digital media supplier and have never acknowledged any of this debt since then."

 

Subject to the date of the CCJ I would assume it was statute barred before the claim was issued.....8 years without acknowledgment or payment.

 

Regards

 

Andy

[rwhitehead]

do you know the date of the ccj and the date you last paid the loan ?

 

 

see your credit file.

 

 

does the debt show?

 

 

dx

 

the item is not on my credit file as a debt owed to the creditor it is only on as the ccj the date of the ccj is may

 

it is not strictly a lon it was a charge for a professional photography package which was sent back and the charge was never removed i have not paid or acknowledged anything from this company since 2007 when I very first had contact with the company

 

 

what would be my next steps please

[shamrocker]

the item is not on my credit file as a debt owed to the creditor it is only on as the ccj the date of the ccj is may

 

it is not strictly a lon it was a charge for a professional photography package which was sent back and the charge was never removed i have not paid or acknowledged anything from this company since 2007 when I very first had contact with the company

 

 

what would be my next steps please

 

Did you sign a contract for the photoshoot? Immaterial if it's SB anyway, but just asking out of curiosity.

[dx100uk]

you need the date of the CCJ

is it on the CRA file?

 

 

if not and ideally a copy of it

 

phone northants bulk, quote the CCJ number from the cra file and ask for one

 

you might have sent the stuff back

but you/they never cancelled the credit agreement to finance the shoot.

 

the claim would have been issued about 1-2 months before

so 6yrs back from that date

 

 

If it WAS SB'd by the time of the claim issue then you can get it set aside

 

 

if not, I cant see a set aside reason at this stage.