Unknown Cabot Cap1 card CCJ found on noddle - help

[oddmaker]

Hi There,

 

I had a CCJ issued February this year at my old address,

it was for a debt that went to default on 16/08/2011,

 

I refused to pay due to an ex partner used my name to get a credit card and we split up many years ago,

 

I moved last year so obviously they sent the papers to the old address,

 

what can I do about this?

 

Shall I phone them?

 

At the moment I do not have the money to pay it

 

Thanks in advance for your help

 

Also I haven't received anything at my new address so I wouldn't of known about the CCJ until I logged into Noodle.

[dx100uk]

who got the CCJ?

 

 

do you have a copy of the CCJ?

[oddmaker]

Hi dx100uk,

 

Thanks for getting back to me, the CCJ is in my name and I haven't got a copy of it due to it going to my old address.

[dx100uk]

no I meant who got the CCJ abainst you silly?

 

 

if you've not got a copy

I suggest you ring northants bulk with the number of the CCJ

and ask for a copy .

[oddmaker]

Oh sorry lol,

it was Cabot Financial (Europe) LTD by looking at the CCJ amount and the account balance from Cabot,

 

 

it also seems they have put 100 pound more on my account balance since the CCJ back in February.

 

 

I will phone them tomorrow for the documents,

will they send them to an you address or has it got to be your home address?

 

Thanks

[AndyOrch]

Hi oddmaker

 

Not sure if its me but Im struggling to understand.....how do you know you have a CCJ ? You no longer reside at that address ...have you received something to your current address to prompt your thread here?

 

 

Oops scratch the above I see you have spotted it on Noodles

 

Andy

 

Threads merged..please keep to one thread per issue.

[dx100uk]

what was the ccj for do you know yet?

 

 

and yes they'll [nothants bulk]will send it to you

[oddmaker]

what was the ccj for do you know yet?

 

 

and yes they'll [nothants bulk]will send it to you

 

It's for a credit card back in 2011.

[unclebulgaria67]

It's for a credit card back in 2011.

 

If you owe this debt and there are no issues you can raise at this late stage, then you should seek to pay it. If necessary Cabot would accept instalments.

 

It would cost you £255 as set aside court fees, if you wanted a court to look at this debt, provided there was a good reason stated in a set aside application.

 

Can you explain, whether you signed up to this credit card originally. It was your application for the card ?

[dx100uk]

who was the original creditor

when did you take the card out

how much was the CCJ for

 

 

get your ducks inline first before you do anything else

[oddmaker]

who was the original creditor

when did you take the card out

how much was the CCJ for

 

 

get your ducks inline first before you do anything else

 

Hi dx,

 

Thanks for replying, it was for a credit card from Capital One.

 

The CCJ is 466 but on my credit report it says under credit cards 538 so they've put more charges on it even though the CCJ is 466.

 

The date i took out the card on my credit report is 18/01/2011 and it defaulted on 16/08/2011, I totally forgot about it to be honest and yes I should of told them that I moved but as I said I did forget about this debt.

 

Thanks

[oddmaker]

If you owe this debt and there are no issues you can raise at this late stage, then you should seek to pay it. If necessary Cabot would accept instalments.

 

It would cost you £255 as set aside court fees, if you wanted a court to look at this debt, provided there was a good reason stated in a set aside application.

 

Can you explain, whether you signed up to this credit card originally. It was your application for the card ?

 

Hi uncle,

 

I think I did sign up to it originally.

[unclebulgaria67]

Hi uncle,

 

I think I did sign up to it originally.

 

So your debt. There is not much you can do about it now.

 

As for the debt increasing on your credit record, it depends on the CCJ. They might be adding interest at 8% which is allowed, if it was part of their claim.

 

Suggest that if you are worried about the CCJ being unpaid on your record, that you contact Cabot to organise repayment.

[dx100uk]

for how long were you either behind or missed the full pcm payment?

they would have added 2*£12 fess every month until they sold it

and charged interest on these charges till that day.

 

might be quite a bit to offset this debt as well as PPI if you were to look toward reclaiming.

 

I wuld assume your correct address is on your credit file

so if they wanted to chase you they could

 

pers i'd wait for that day.

 

even if you pay this off it wont remove the CCJ

that's there for 6yrs from its date paid or not.

 

I cant see a reason to set aside as you didn't inform the owner of the debt of a change of address

and even then I cant see a defence for the actual debt either.

 

as I said, it might pay you to get your ducks inline before contacting anyone.

nothing more can be added to this,

 

so an sar to cap1 might now be your next move

[oddmaker]

Okay thanks.

 

 

If I phone the debt company that done the CCJ and they arrange a payment scheme what will happen?

 

 

Will they contact the court and say I've started paying them?

[dx100uk]

never phone a fleecing DCA

they are NOT BAILIFFS!!

 

the court no longer has anything to do with things

 

there nowt more cabot or the courts can do to you.

 

its a civil debt so even IF the court bailiff got involved

theres no right of entry/arrest/fees etc

 

and all you would need to do is set up payment then.

 

please trust what you are being told

 

there no compulsion to rush to do anything here

[oddmaker]

I was just thinking if I want to start paying it with a payment plan instead of waiting for the court to send me a letter,

 

 

user uncle here said to phone cabot and arrange a payment plan?

[dx100uk]

court wont send anything

and it wont harm you to get all the info FIRST.

 

 

never ever phone a fleecing DCA

the fact they have a CCJ doesn't give them any more legal rights

than what they had in the first place..which was NONE.

 

 

cabot purposefully got the CCJ by the backdoor

if they thought they could get money out of you quickly

they'd have asked the court to ask the bailiff to pop around by now.

[oddmaker]

So just leave it untill I get a letter?

It's been almost a year since the CCJ.

[dx100uk]

for the moment I would leave be

 

 

SAR to cap1 might now be your next move

[oddmaker]

for the moment I would leave be

 

 

SAR to cap1 might now be your next move

 

Thanks dx,

 

I will send that letter after xmad. What sort of reply will I get from them and what would I need to do next?

[dx100uk]

you should be getting all the statements

then have a look through re post 14