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Court summons to incorrect address - now CCJ *Car leasing hell!!

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Long story but will keep as concise as can be.


I am leasing a vehicle which required some work

(impossible to remove wheel nuts to replace tyres - vauxhall dealership

said previous owner had used the wrong instruments previously)



I contacted the company for advice (first time leasing a vehicle, wasnt sure on liability)

they admitted that after just 6000 miles I should not need to replace the tyres,

and as a courtesy would take the vehicle and replace them.



At no time was I told they would charge for this (or I would have done it locally)

It was due MOT the same week which the lease company said would put through the MOT

and bill me for the cost of the MOT. This all occurred August 2013. - this was done verbally. :(


I received my car back with damage to the rear pannel, to which I comtacted them immediately to sort out.

They denied everything to do with it and tried to suggest that they had noticed the damage themselves, that it was already there. Complete lies!



A week later I received an invoice (rather, my neightbour did) for £290 which included the replacement tyres,

removal of old tyres and maintenance plus the MOT.



I contacted the company to dispute this and to also chase up on the status of my claim regarding the vehicle damage.

They tried to suggest that an email had been sent to me outlining the total cost of the work,

yet when I asked for proof of this it was clear that they had the wrong email address

(although I had been comunicating with them via email the entire time I had been dealing with them for the lease hire)


We disputed this for weeks and in the end I accepted their offer to waive the cost of the MOT and would pay for the tyres only.

I asked for a new invoice (reiterating my address - and advising that they got it wrong previously)

and I shared pictures of the body damage which was requested by the CEO to look into.



- For 2 years I hear nothing,

I pay myself for the body repairs via a garage and assume (stupidly) that common sense had prevailed.



Bare in mind that I am still a customer, the car is outside my house right now,

I pay them via direct debit £159 a month, so I am not difficult to find.


2 weeks ago I had a call from a collections agency chasing up the £290 to which I disputed

based upon the situation raised above.

They advised they would put the claim on hold whilst they investigate.


They called me back today claiming that they are willing to take this to court

and that unless I pay £490 (including costs) there would be a summons against me.



They then re-read my file and advised that a summons was already against me, it was raised in August of this year.

I advised that I have never received any communication since 2013,

how can I be expected to acknowledge the summons if I didnt know it existed..?

They threatened me with bailifs unless I pay £400 today to clear the debt.



I felt intimidated and did this straight away with the aim of speaking with Citizens Advice afterwards

to understand my rights and how to proceed regarding the vehicle damage which was never acknowledged.


I was given I reference number by the debt agency and I called the courts immediately.

I was advised by the courts that the summons was sent in August 2015

and as I had not paid within 30 days that a CCJ has been listed against me.



When she asked for my details it became apparent that the address Hippo Leasing had given to the court

was the incorrect address that they sent the initial invoice to.

. it was the neighbours address of my previous address.


I am not sure where I stand in this case.

The lady at the courts suggested that I have grounds to set aside the CCJ

on the basis that Hippo did not provide the correct address details for me

, but that I need to pay the £155 to do this.



She also suggested that I may be able to get the courts to enforce the £155 on the car leasing company as it is their error...?


2nd thing is

if I have any legs with the body damage thing?

I wish I had escalated it further at the time,

but I gave them the benefit of the doubt (that they were absorbing the cost of the repair)

so I arranged to sort the rest out myself.


Any advice welcome!

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A huge number of problems occur because people like yourself take companies in good faith and accept what they say. Or else, because the company goes silent, people like yourselves imagine that everything is sorted out and it's all going to be okay.


How wrong you all are!


Your story is extremely familiar.


You need to start taking control of this and you need to do it quickly. This will also have impacted upon your credit file as well of course.


Apply for the set-aside. Follow our links to set aside and you will get some idea of what to do.


The best thing to do will be to contact the other side and see if they will consent because if they will than that will save a lot of trouble.


Go to the courts website and download a form N244. This is the form that you need to make the set-aside application.


You're quite right, it will cost you money but you should ask the judge to award costs to you in any event because the reason for having to apply for the set-aside is clearly the fault of the other side in that they got your address wrong when in fact they have all the correct details on file.


I fully understand that you want to get compensation for the damage et cetera. I would treat this as a separate matter if I were you.


After you have obtained your set-aside – and your chances are better than 90% – put in your defence and also put in a counterclaim at the same time.


Let me say that although you will be putting in a counterclaim for the cost of the damage, you haven't done yourself any favours in waiting the way that you have done. I'm sorry to say but your inertia in all of this has caused you huge problems and it may well be that the best you can do will be simply to make sure there's no judgement against you.


I think that this is a lesson that you better learn for the future.


If you do anything on the telephone with anybody then make sure that you read our customer services guide first and implement the advice there. You should never trust any company and you should make sure that you always get everything in writing or recorded and that you keep the recording stored away very securely.


By the way, what is the name of the leasing company?

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By the way, what is the name of the leasing company?




it says Hippo in the OP





I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.




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Thank you for taking the time to provide such a detailed response, I appreciate it.



I agree with you, it is a lesson learned, I actually feel very silly on reflection.


My main aim is of course to remove the CCJ, which I believe I have a good chance of doing

on the basis that I have documented on email of the incorrect address they used for the first invoice

and my correction of that to the CEO.


i spoke with the court today and they were very understanding.

The fact that I paid the total cost the day I was informed of the summons, according to the courts, is in my favour.

It was them that suggested I claim the costs back from the leasing company.


The company is Hippo Leasing - approach with caution, or not atall!

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