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littleface68

found backdoor CCJ for egg loan - urgent need it removed for the MOD clearance - debt was already SBd?

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OK. I'm new here so please be gentle

 

I got into a lot of debt in 2002. Long story!

 

I'm working for a company that works closely with the MOD. I was honest about my debts but got side blinded when they discovered a ccJ for over 15k

 

This loan did not show on my file. Experian says because my addresses are not linked it didn't show?

 

From the info Experian have given me, I have called these companies

Carvale creditor

Britannica Recoveries

Restons Solicitors

Cabot Financial

Resolve

 

Cabot say they've passed the debt to Resolve who can't trace me. The cAN was issued to an old address in Jan 2015 From googling the companies, it seems it's an old Egg Loan. Last payment would have been around Dec 2008

 

I know about statue barred but how can I enforce it before the debtors knock at the door. I have 10 days to get back to the MOD who have been great!

 

Apologies for the long msg

Edited by littleface68
Typo

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Hi and welcome to CAG

 

do you have the cci reference number?

 

if you do, ring Northampton CCBC and ask for a pdf emailed copy of it

 

we need to know the exact issue date of the claim

 

also go ring Canada square operations and ask them for the exact last payment date - you may have an issue here but worth asking

Edited by Andyorch
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Thread title re titled and moved to the legal forum.

 

as said get the CCJ number from your credit file

go ring northants bulk tomorrow and ask for a copy of the claim form and the judgement by email PDF.

 

Canadian square operations should still be open

go ring them quoting the loan number

as them last payment date.

 

dx


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On thank you ever so much! Blasted auto text is driving me crazy! Will update you tomorrow

 

One further question. Does statute barred start from the ccj which was issued in Jan 2015 or when egg received their last payment?

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don't worry about that until you get the info as we will be able to guide you

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last payment to EGG....

so if they didn't apply for the ccj within 6yrs of that date the claim can be set aside

the issuance of a CCJ stops the clock if they were within 6yrs, so no dice if so.


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Thanks dx100uk. I'm hitting a bit of a wall trying to get information of when egg received a last payment. my recline was around 2009/10

 

I called Canada square today to get this information. They say i have to email them and it can take up to 28 days for a response

 

Half hour wait with Northampton court on the phone, will try again tomorrow to get a copy of the ccj

 

in the meantime, I have 10 days to get back to the MOD

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ccj AND the claimform if you can

 

we have seen one person ring Canada square operations and get the brush off

rang again, told them the loan was subject to litigation and wanted the details there and then and got it.


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That's interesting. I emailed the court today. I'll call Canada now to see if I can get through their red tape

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Ok. Really panicking now. Because of my en quiry about this debt, someone just knocked the door asking for me in my old name. I fibbed! I have tomorrow off as I can't get through to Canada to stop things going further what do I do if I get another visit?

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probably a zero powers doorstepping DCA .

they are NOT bailiffs

and have

ZERO legal powers.

 

tell them to leave and never return

else if they do

you'll call police 101.

 

film them too on your mobile

they don't like that.

 

dx


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Thanks dx100uk. I fibbed and said no one at this address. I felt awful fibbing but want to he to the bottom of this 1st

 

I called step change after in a bit of a panic. Interesting advice given. So say, if you haven't advised a debt company of a name change or change of address, you can't claim statute barred. I'd that true?

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haven't said that.

how would you know they've issued a court claim till court bailiffs rock up at your door?


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

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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

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I guess th wry can say you've ignored their letters. I truly can t recall receiving anything since 2009

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not sure what you are asking...or saying in your last posts

but...

if you don't update creditors of your correct address

then they can send all the letters they like..you wont know anything..

 

nor if they issue a claimform..and get a CCJ as NOTHING is checked by the court, its an automated rubberstamped default judgement

750'000 of them every year. no human sees it nor is involved

 

now if latterly you find out the debt WAS statute barred at the time of the claimform [typically 1 month before the date of the judgement] you CAN get it set aside.

 

not sure what stepchange are going on about or if you mis-understood or got it wrong

but the above is the score.


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

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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

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Thanks again dx100uk. You,ve answered clarified my query 're statute bar/requesting judgement to be set aside

 

I have today off so hopefully will get lucky with the information you've told me to obtain

 

I'm the meantime, I'm scared to answer any knock at the door.

 

Will update you later

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Not sure why.

Even if the court did allow bailiffs it's consumer debt..no right of forced entry . Simply ignore them to all intent


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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