CCJ From CABOT re Provident.

[SURFBOY]

I have recently checked my credit file and noticed a CCJ from Cabot I knew nothing about.

I moved house in sept 2014. the ccj was recorded in august 2015.

I would like some advice on how to get this CCJ set aside .

I have received no paperwork whatsoever and I thin the provident account might be statute bared.

[dx100uk]

you need to findout if it was SB'd by the time the claimform was issued

 

 

if you did not tell you creditors in writing you moved

then service to your old address is quite ok.

 

 

dx

[obiter dictum]

The $64,000 Question

 

If you had an oustanding amount with provident

 

Did you inform Provident or Cabot who would be the new owners of the account you had moved address?.

[SURFBOY]

Cabot did a search on my credit file in Nov 2014 , so they were fully aware of my current address.

[obiter dictum]

The onus is on the account holder to notify the creditor on a change of address

 

There could be 100 people with your same name living in the country

 

That was probably a blanket search on your name with the credit agency

[dx100uk]

answer post 2 and the seta side could be childs play

[SURFBOY]

I have checked my credit file and there is no information about the Provident account.

The only info on my file is the CCJ from Cabot.

[dx100uk]

time to ring provi and ask when your last payment was

 

 

was this a doorstep loan?

 

 

tell us a bit more about the debt please

 

 

dx

[SURFBOY]

Yes it was a doorstep loan.

I could not afford the payments at the time and I foolishly ignored them , then over the coarse of time I forgot about this.

The outstanding payment was £250, it was passed over to Cabot and I Ignored them.

The CCJ is now for £371.

[dx100uk]

So when was you last payment

 

Dx

[SURFBOY]

I think I will need to send a sar to Provident to find out all the details.

[dx100uk]

nothing to stop you ringing provi