Backdoor CCJ Capquest / Shop Direct

[Cosmicdancer]

Hi everybody I hope u are ok ,

 

Following an email from clear score I was made aware of a new CCJ on my file, dated from November 2019.

I rang Northampton bulk centre to find out who it was from and they told me capquest / shop direct.

 

The lady on the phone advised me of my options and she is sending me paperwork in the post to set the claim aside .

I really understand I should of updated littlewoods with my new address but since it went to capquest I didn’t think to bother so plz be nice . 

 

I think it dates back to 2015 ,

around Christmas time my ex girlfriend decided to use my account to buy her self and friends Christmas presents on my account .

I used to pay on time every time , but the latest order (2015) there was nothing paid .

 

I was struggling a long time ago with shop direct , and they accepted £1 a month until I got a job. 

however when I paid the balance they upped my credit limit . 

 

I greatly anticipate your sound advice and I really hope u are well.

 

thanks 

[dx100uk]

have you got a copy of the claimform and the judgement coming by email PDF?

if not ring back and get them sent.

 

 

 

[Cosmicdancer]

I’ll try to get the claim form etc when I ring tomorrow,

[Cosmicdancer]

Apparently I am not allowed a copy of the claim form because there is only 1 ever issued and it was to my previous address, hoping to get it within the next 20 minutes

* a copy of the judgement and paperwork relating to the case 

 

will post what I have 

[Cosmicdancer]

please find attached the pdf i received from the court

 

 

backdoorccjshopdirect.pdf

[dx100uk]

so going by this thread

 

is there a chance you did send Capquest a CCA request?

[Cosmicdancer]

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 ?

 

 

[dx100uk]

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

 

 

 

 

 

 

 

 

 

 

[Cosmicdancer]

Dx

thank you so much for all of your help this year ....you really are an angel you are a credit to this site

 

I’m sure 1000’s more would agree with me in saying that you are a perfect example of why nobody should lose hope in humanity the way society is starting to look today.

 

I really can’t find the words to express my gratitude for your gumption.

 

I really can’t apart from say thank you from the bottom of my heart. 

[AndyOrch]

In the meantime you may wish to address that Forthwith judgment and get a payment plan in place...before this escalates further. 

 

 

 

Andy