Jump to content

 

BankFodder BankFodder


Keith york

backdoor CCJ/CO to old address

style="text-align:center;"> Please note that this topic has not had any new posts for the last 609 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I'll be as brief as possible.

 

defaulted on debts 1st Quarter 2010 and never acknowledged the debt or contacted them.

2015 moved home.

 

August 2016. had a CCJ attached to me at an old correspondence address.

 

Jan 2018, got a letter at current address informing me the CCJ was now a charge on my property.

Checked credit file and found CCJ from Aug. 2016 from a company I did not know.

 

The original debt would have been statute barred.

Is there any obligation for me AFTER the 6 years to inform anyone of my new address?

particularly old creditors and creditors who buy the debt?

 

I am challenging this in court.

 

Any help appreciated.

Edited by Keith york
typo

Share this post


Link to post
Share on other sites

challenging what in court and When and HOW?

 

if the debt was statute barred before the issuance of the claimform get it all set aside

 

you should never moved without informing your creditors even if outside of 7yrs

 

you have suffered a backdoor default CCJ BECAUSE you ran from your debts.

doesn't matter they are SB'd as NOTHING is ever checked its a humanless process if not defended.

 

dx


..

Share this post


Link to post
Share on other sites

I am challenging the charge on my home and the original CCJ.

How can I find out when the claim form was sent?

Why should I inform them of moving? Is there a legal obligation? You say 7 years why is that?

I did not "run" as you judgmentally put it.

Share this post


Link to post
Share on other sites

well you did because you gotta backdoor ccj to an old address,

have you a copy of the claimform and the CCJ?

if not ring northants bulk and ask for them by email pdf.

 

how are you challenging the charge, what have you initiated an N244 ?


..

Share this post


Link to post
Share on other sites

I don't understand how a backdoor CCJ to an old address equates to me "running" from the debt.

 

 

I don't have the claimform as I was not living at the address or had access to the address. This was a correspondence address up to 2014.

 

 

Yes I have sent the N244 on the grounds that it was statute barred before Aug 2016 AND the paperwork was issued to the wrong address. Therefore I should never have had a charge attached to my property.

Share this post


Link to post
Share on other sites

great and you have documentary evidence of the last payment date too?


..

Share this post


Link to post
Share on other sites

Thread moved to Financial Legal Issues Forum..please continue to post here to your thread.

 

Regards

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

I phoned the claim center in Northants. They said the claimform was sent 20th July 2016 to the wrong address. They told me who the original debt was with. I informed this bank in 2015 of my new address.

I have nothing about this debt on file. but last payment would have been no later than May 2010 but i think more like Feb 2010

Share this post


Link to post
Share on other sites

perfect job done then should be a walk in the park

did you pay the £255

might be an idea to ring restons and ask them to set it aside FOC to you as the debt was SB'd at time of claim

might save you £255!


..

Share this post


Link to post
Share on other sites

I should add that it appears the debt was sold from my original lender to PRA Group. so my action is against PRA Group.

Yes I paid already.

I presume they have to provide evidence of the debt and payments made etc? I thought they also had to provide me with their evidence before court?

Edited by Keith york

Share this post


Link to post
Share on other sites

sorry why did I say restons..

 

they don't have to do anything ...

that's why a backdoor CCJ filed to an old address is SO effective ...hence the advice read post 2


..

Share this post


Link to post
Share on other sites

In any other court action you have to submit evidence but not here it seems.

 

I am amazed that it is allowed to go through by Judges.

 

Allowing SB debts to go through unchallenged should be illegal.

 

Maybe I'll wait for some neighbour to move and put one on him at the old address...

he may never find out then change that into a charge on his new property.

Seems there is no law to stop me!

 

Well I've done all I can so we will see in a few days what happens.

Share this post


Link to post
Share on other sites

no human or judge saw it ....it was a default rubberstamped judgement

and make SURE you get your £255 back too.

 

you do realise 750'000 claimform are issued every year.

85% are default judgements because people moved and did not update their creditors

less than 1% are because they were ignored and not defended


..

Share this post


Link to post
Share on other sites

ah I see. I get it now. Another [problem] then by the finance industry.

 

 

site does not like me using a word that rhymes with spam and put (problem) in for me instead!!??

Share this post


Link to post
Share on other sites

Stops us and you being libel'd

Dcas have zero legal powers

And are not bailiffs

But its the biggest fleecing industry in the financial sector

If people stopped paying dcas tomorrow the whole industry would collapse


..

Share this post


Link to post
Share on other sites
Stops us and you being libel'd

Dcas have zero legal powers

And are not bailiffs

But its the biggest fleecing industry in the financial sector

If people stopped paying dcas tomorrow the whole industry would collapse

Selling of written off debt should be banned imho, but Hedge Funders and buyers of debt would be most unhappy Wonder if it counts as usury a per Bibe and Q'uran? I'm sure DCA's and their operations can never be Sharia compliant.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...