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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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WilliamW101

Backdoor Hoist/Cohen CCJ - ex Barclaycard - what can i do?

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I've just run a credit report, something that I do every couple of months.

 

it has shown a CCJ was issued against me in March.

This has come as something of a shock.

 

Although I have had problems in the past (2008 ongoing to 2012) as far as I am aware everything was either in hand.

 

It has been done at my previous address which I moved out of 18 months ago

I have received no paperwork saying it was going to happen or that it has happened.

Nor do I even know who it was requested by.

 

The notes say "Judgement Not Contested"

 

What can I do and how do I do it?

I am at a complete loss

Thanks

 

 

Credit Rep 24.4.pdf

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By whom??

and why have you not updated creditors??

on moves?!

 

 


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Find out who the Judgment claimant is and then contact Northampton CCBC for details of the claim and judgment.

 

https://www.trustonline.org.uk/

 

Come back when you have all the details of the debt and judgment.

 

Andy


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dx100uk - I have no idea who it is, and thought all creditors were up to date

 

Andyorch - I'll do that, thanks

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simply phone northants bulk in the morning and ask for a copy of the claimform AND the Judgement by email PDF

you'll need the CCJ number from your credit file.

 

dx

 


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Spoken to NHBC. They say they can't email me the judgement but will post one out and they cannot give me a copy of the claimform as that has already been issued but details will be in with the judgement. Said it was for a Barclaycard agreement. I'ce never had a Barclaycard.

Guess I just need to wait for the information to arrive

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Bet the claimant was hoist or hph2 then

with no paperwork either

as there never is for these ex Barclaycard debts.

 

so what cards have you had.

Egg .monument.morgan Stanley.

100's were ultimately from or owned now by BC


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Your bet was correct - Hoist although I can't recall ever having had any contact from them

Only one I can think of for the card would be Egg.

A single sheet form arrived in today's post;

Crt Rep 25.4.pdf

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ummm.

don't like that change of defendants address 1 month before default judgement was given.

 

go the org address and that address changed too, are they neither your correct one today?

something smells here


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

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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

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