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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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Guy1002

backdoor CCJ by MMF/Optima - old QuickQuid Loan

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Evening all

 

Further to raving about this site to a friend and explaining how much help you have been he has looked into a CCJ he has on his file from 2013.

 

From what I understand he didn't know it was there until a little while ago,

he rang the court and they gave him the name of the creditor who filed the claim.

 

He has contacted the creditor and they have advised that they have record of two paid up and settled accounts but no record of a CCJ.

 

His file doesn't say who filed the claim (is this normal?)

he wants to know the best way of obtaining the necessary proof of who submitted the claim. Any help would be appreciated

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If you have the ccj reference you can call northampton bulk court center and ask for the paperwork to be sent out.


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Hi Martin ! Thanks for the reply.

 

He has contacted Northampton and they informed him that the case is with Bristol Court. Is it just a case of contacting them then? And they will send out all paperwork?

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Yes.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Correct guy, just ask them to send details of the claim/ccj under the reference number you have


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

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.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Update: The court have provided him the information by phone, and are following it up by sending the relevant paperwork by post.

 

CCJ was filed by Optima Legal Services on behalf of Motormile Finance in regards to QQ payday loan. Optima said they no longer represent MMF, unsurprisingly.

 

Motormile have already confirmed to him that they have two settled accounts with him but no record of CCJ so can't help.............

 

He is waiting for the paperwork to come through so he can now send over to MMF.

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thread title updated

moved to legal forum


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Letter received from Optima stating that the debt has been cleared and that a certificate of satisfaction can be obtained from the court (originally sent October 2014). Nothing showing the intent to file a CCJ or any claim paperwork as requested.

 

 

If the court have said that the CCJ was ordered by Optima Legal, but they are saying they were being instructed on behalf of Motormile Finance, who have no record of a CCJ, where does one go now to get this resolved?

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have you a copy of the CCJ yet?

who is named as the CLAIMANT.


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No he doesn't. That is what he requested from Optima.

 

 

Court (went in person to obtain paperwork but wasn't given any but left with name of supposed claimant. Told him he should have pushed for the paperwork!) have advised it was Optima. Optima have advised that they were instructed on behalf of MMF. MMF have no record of CCJ on file.

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optima don't get CCJ's they are solicitors

 

 

sorry but you need the NAME OF THE CLAIMANT from the actual claimform or the judgement CCJ

 

 

quite honestly i'd go ring northants bulk again.

and ask the name of the claimant

doesn't matter the case was sent to Bristol Court

which I cant see why ??

as it wasn't contested so would of been a rubberstamp without human intervention by northants.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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