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I have a debt with Travis Perkins Builders merchants for £2500.


I opened the account early 2007.


They have taken it to court an got a judgement for claim against me for £2900 including interest and fees,

without me knowing about it,

they sent all the details to my old address.


I have written to the court and filled in forms to have the judgement set aside as i did not know they had taken it to court.


They have passed the debt to high court baliffs who want to put a writ on my house or make me banckrupt!!!!


This is a commercial debt but i was tradingas myself, so me trading as Joe Blogs Building Services!!!! for instance!!! ...…

.... so im sill personally liable for the debt.


I tried at the very start to agreed an amount to pay back on a monthly basis, they said no!!! someone told me that a credit account at a builders mechants doesnt stand up very well in court....??? as the terms and conditions are a bit ropey???


Can i ask them for a CCA and argue over there credit agreement???


I ended up with this debt as a previous customer wouldnt pay there bill for extra work


Any help would be great?????

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