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    • Absolutely. you don’t want to look like you are being uncooperative. You do want to look you are being reasonable, and trying to follow the court’s instructions (without “doing her dirty work” for her).   In the end it’ll come down to: a) the expert’s report (unless it gets kicked out before then for her failing to comply), and b) who is more credible if it becomes “what the (Verbal) contract was” ; the more you are reasonable and the more ‘whacky’ she shows herself, the more credibility you gain.
    • it will be mainly voters and the fact you have changed address on everything too. nothing you can do about it sadly ….   usually takes a month or two for things to settle themselves
    • I only just signed up to vote, I have never voted before, but I've never had a problem accessing my credit file in previous years, it's like it's just been deleted?    Here's a message from another credit check place I found.   I have just moved in the last month but my bank account, new address etc are all up to date and I literally called everyone when I moved, internet, electric, gas, mobile contract, bank, everyone on the day I moved here,   When trying to get my credit report I use my new and previous addresses.   Here's a message I got ...... Why have I been unable to access my Credit Report? When completing the authentication process for access to your credit report, you will have received one of the following in-product messages to indicate why you have not received access: Thin File This means there is currently not enough credit history information held in your TransUnion file for us to produce a credit report. You can find out more about how to build your credit history in our guides. Not Found If you have not been found by TransUnion, this does not necessarily mean you do not have enough credit history or that you have poor credit history. This simply means that with the details you have provided, TransUnion have been unable to accurately match you to a credit file. Check over the details you have entered and make sure all financial accounts are up to date. If you notice that your Date of Birth, Name or Address have been filled in incorrectly, you can update this information on your account and this will initiate a new search with TransUnion to locate your credit data. Please note, a new search will only be initiated if you change your Date of Birth, Name or Address. Therefore, if you have since updated your information with public bodies or your financial accounts to match your current account information, we will be unable to initiate a new search and you may need to close your account and re-register. Failed If you have failed the authentication process then unfortunately we have been unable to provide you with your credit report. As per TransUnion policy, we are only able to provide customers with two attempts to access their credit file data, after which they will be unable to access their data through our service or receive a TotallyMoney credit report.  
    • I was going to suggest cooperating with her over the letter copies so as to look good in court, but on further consideration BazzaS & SuperVillain are right.   However, to make it easy for the judge and to show her up in court I would tweak the letter and add that this is the third time you've asked so that the expert can be "jointly instructed" and you are anxious to move things on as the two of you are already beyond the court's deadline.    You are writing to her but in a certain sense you're writing "to" the judge and what you are writing needs to be concise and follow the court's instructions - unlike her gibberish.  
    • Is there still chance to submit my defence as it is the 20th final date for submission?
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bigtrouble2017

eceived unknown arrows/restons CCJ this morning - help

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Hi hoping someone can help/advise,

 

I received a CCJ for the amount of £2802.71 for a credit card. England based.

 

I can't pay this and on the form it does not tell me how I can pay this off in instalments.

 

I have lots of debt which I am dealing with but this one slipped through, my fault totally.

 

Any advice on how I should proceed would be much appreciated.

 

Many thanks.

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Welcome to CAG :)

 

NEed more info. Who was the company who go the CCJ. Who were their client?

Who was the original creditor?

 

What happened?

 

YOu say England based? Are you in Bonny ol' Scotland?


**Fko-Filee**

Receptaculum Ignis

 

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Hi, thank you for the quick response and the welcome.

 

Personal Credit Card with either Vanquise/Aqua

Claimant: Arrow Global Limited

Payment to Restons Solicitors Ltd

 

Yorkshire based.

 

Did go through CCA they came back with the proof and I got distracted with other debt problems and missed this resulting in CCJ

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vanquish nor aqua are linked so they cant put both in the claimform.

 

 

so which is it?

 

 

and whats the date on the CCJ?


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Can't place the paperwork, but the original debt was with either Vanquis or Aqua

 

The Judgement for Claimant (in default) is dated 22-MAY-2017

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did you not get the claimform or anything before the judgement?

or you did and simply ignore it and not defended?

 

 

you could do a setaside or vary it [probably best N245]

 

 

is it a recently taken out card?


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Did not defend, caught up with other stuff and life in general, no excuses.

 

No not resent. I wondered about the N245? Would I use that to setup a payment plan?

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yes n245 variation order.

if you don't think you've a setaside reason?

can you not phone northants bulk and get a copy of the CCJ sent via email/PDF to you.

then you'll know?

 

 

you said you CCA'd

so what date did you take this card out?


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The card was taken out about 5 years ago.

 

I'll do what you suggest and ring and get a copy of the CCJ via email.

 

Thanks again for your help.

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that's quite a high balance for such a young card?


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

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OK I rang the court and ended up on an automated line and they said I would need to pay a £50 fee with the N245 submission.

 

I was under the impression though that if it was within 14 days of receipt of CCJ no fee was payable? can you advise.

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A redetermination is free if submitted within 14 days..but a redetermination can only be submitted if the judgment has already stated in monthly payments.

 

I assume yours is a forthwith judgment (the whole lot due now) so you have to use the n245 to vary the forthwith to monthly payment.

 

You may qualify for fee exemption if on certain benefits or low income

 

Regards

 

Andy


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Thank you Andy. Nipped into the local Court and they were very helpful, so all good now and N245 is the route.

 

Also thanks to all with advise and help much appreciated.

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Ive merged your old thread for history


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

spreadsheets 

 

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Oh sorry wasnt it?


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

spreadsheets 

 

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