Backdoor CCJ for old Santander Car Finance

[paramore89]

I took out car finance in 2015 with Santander.

About a year later I handed the car back and heard nothing from them so thought nothing of it,

 

a while later I contacted them as I was sure I owed an outstanding balance.

after plenty of digging the lady told me the reason I hadn’t heard anything was because they had been sending all letter to an address I lived at 5 years previous!

 

She also told me I had contacted them just in time as they were going to apply for a ccj.

I set up payment plan and Have been paying ever since.

 

About a year ago I noticed on my credit file they have applied the ccj.

I have contacted my local court who have no record of a ccj.

 

I have tried to sort this with the agency acting on behalf of Santander but they have said they didn’t apply the ccj Santander did so I need to contact them.

I’m literally being passed from pillar to post.

 

Any advice on where I stand?

 

Thank you  

[dx100uk]

who name is against the CCJ on your file?

satans bank (I doubt it!)

or a fleecing DCA that bought the debt and purposefully got a backdoor CCJ?

 

dx

 

[paramore89]

There is no name on it, not even Santander! It just states my details, the amount and date issued, oh and the INCORRECT address

[dx100uk]

should be a name against it on your credit file there typically is. cabot/Lowell/PRA??

 

it might show in your eyes an incorrect address

but if you didn't update satans bank in writing of your correct and new address

It was properly served.

 

you'll need to contact northants bulk court and ask for a copy of the Claimform and the CCJ judgement by Email PDF

if they don't have a copy of the claimform, ask them to readout the particulars of claim and the address it was served too

RECORD YOUR CALL.

[dx100uk]

thread title updated.

shame you let satans do a voluntary surrender when you handed the car back?

should have done a voluntary termination. (only have to pay 50%)