Arrow Global - found unexpected CCJ on staturtory credit report

[stupidyoung]

Hi,

 

I've just returned to the UK after being abroad for 5 years studying, I moved into a new flat and tried to get electric moved to a credit meter and was denied.

 

I requested my staturtory credit file and have found that Arrow Global have registered a CCJ against me with judegemnt by default (date 20/07/2017). I had no warning or knowledge of this and they used an address that I moved from at least a year before I left the UK.

 

I've no clue what it is for, and have no idea how to go about dealing with this properly. Ideally I'd like the CCJ set aside but first I have to find out what it is for?

 

Thanks

[dx100uk]

you have the CCJ number

go ring northants bulk and ask for a copy of the claimform and the CCJ to be sent via email PDF.

 

then when you know who the original creditor was

go ring them and ask the date of the last payment.

 

dx

[stupidyoung]

Hi,

 

They cannot send me the claimform but told me it was hsbc and gave me the acct number.

 

I called hsbc and the last payment was 20 March 2012.

 

The strange thing is the last registered address on the account was not the one that Arrow sent the claim to.

 

 

What do I do now?

 

Chris

[disgruntled2007]

That’s the risk of not telling creditors your new address...

[dx100uk]

was this an overdraft?

I bet you had a credit card with them too and you now see a huge OD balance that you were never given or ask for an OD of that size?

[stupidyoung]

That’s the risk of not telling creditors your new address...

 

Actually HSBC had my current address and I have correspondance from them to show that. So again dunno why they decide to go back in time 3 addresses...

[disgruntled2007]

Ok, I believe that would be a strong case for having the CCJ set aside.

 

I had one just like that when I’d sent the claim form to a previous address and was awarded stat judgement.

The judge asked me if I had the current address, I said yes, he said that’s it. Set aside granted.

 

Hopefully someone will be along soon to back me up, or offer alternate options...

[stupidyoung]

was this an overdraft?

I bet you had a credit card with them too and you now see a huge OD balance that you were never given or ask for an OD of that size?

 

This was a student credit card, I moved abroad to study and hsbc decided then that only UK students were eligable.

 

The last communication I had from HSBC (30th September 2013) to my then current address in Slovakia was that they were defering payments for 6 months and Metropolitan Collection Services would then contact me to review the circumstances.

 

I had no further communication on it.

 

So to come back and find that some company I know nothing about has decided its ok to use an old address with no contact is a bit iffy

[disgruntled2007]

Woa there cowboy.....

 

Now you’re telling us you moved abroad?

 

That may well change things....

[stupidyoung]

It was in the first line of my first post...

 

Why should it change things when they had a valid contact address?

 

I moved abroad to Slovakia to study in Sept 2012 and lived in the same student dorm room for the 5 years,

I returned to the UK on the 12th July 2017 after I graduated.

 

The date of judgement was 20th so they must have sent the claim form at least 14 days before this

which would have reached me successfully if they had sent it to the current address.

[dx100uk]

if you were resident abroad at the time of the claimform issuance and can prove HSBC knew this

then prove it and theres your set aside reason.

 

now you need a basic defence for the debt itself.

[stupidyoung]

if you were resident abroad at the time of the claimform issuance and can prove HSBC knew this

then prove it and theres your set aside reason.

 

now you need a basic defence for the debt itself.

 

Am I correct in believing for it to be set aside I need to also successfully defend it?

[dx100uk]

correct

use our search CAG box of the top redtool bar

 

HSBC managed loan