Backdoor CCJ Perch/TM - old disputed 118118 PDL Loan

[rattlywelshboy]

Hi All,

I had a loan with 118118 and subsequently raised a dispute about the account and fees and affordability.

fast forward a couple of months (maybe 4 or 5) and the account is passed to a debt collector.

I explained to the debt collector that I have an existing dispute with the lender and believe it should not have been passed to them at that time.

Fast forward another 3 months and I check my credit file and not only is there a default on there for the account but it appears it was sold to the debt collector and they have also had a CCJ registered against for the same debt.

I dont recall ever receiving any court documents and now there's a default and CCJ for the same account show on my credit file.

[Ethel Street]

@rattlywelshboy

Have you changed your address since you took out the loan? If so have you notified 118118 in writing of your current address?

Is the address on your credit file your current address?

[rattlywelshboy]

Hi,

No i haven't moved address, been here 12 years and yes the address on my credit file is correct.

[dx100uk]

so why have you this historic habit of not getting court paperwork like your NPower CCJ?

have you moved from the address where this loan was taken out at?

you'll have to set this aside like before.

have you ever rung northants bulk and asked what address they have for you?

you need to that anyway to get a copy of the CCJ and you'll need the Particulars of Claim to set aside aswell. ask for them by email.pdf.

who's the DCA that got the Backdoor CCJ?

dx

 

[rattlywelshboy]

Hi dx

Seem a bit blunt there, not a habit as you put it. I've had alot of issues with my mail over the years as what was 1 house is now 2 but that's another issue in its entirety.

The debt company is perch capital Ltd and when I see the default from them on my credit file and coincidently the ccj I called them and they informed me that they applied and gained the ccj. They have offered to email a copy of the ccj as I didn't receive the application. 

My other concern also is that there is a ccj and default file the same debt unless that's allowed.

Appreciate the help anyway as always.

Thanks.

[dx100uk]

seems like every historic thread you have is as a result of not getting very important mail.....interesting.

the number of backdoor/default CCJ's PCN's Ctax etc etc and bailiff action over these is amazing.

you dont call perch!!

you ring NORTHANTS BULK and ask the questions i put above

as for a default and a CCJ for the same debt.. of course its allowed ones the debt - the other is its enforcement in the public register.

also Perch would not and cannot default you - 118118 did that on  or before they sold the debt on.

are you living at the same address as when you took this loan out still?

[rattlywelshboy]

Hi dx

 

Yes still at same address, will call Northants bulk and ask the questions.

 

Thanks 

[dx100uk]

good

so where is all this important paperwork gone too over all the years?

pretty amazing it happens everytime.

ask the address the claimform was served too as well.