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CCJ sent to wrong address


Maccish

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Found out via credit file I have been issued a CCJ in the last few days. 


I have requested the full details from the CCBC via email, I will probably call then Monday as apparently they say it can take 20 working days for a reply.

The details we have from the credit reports shows they have sent it to my building but not my flat. So it hasn’t been delivered to me.

I’m on the electoral roll, and my credit file lists my full address.

I do not recognise the debt amount at all at this stage, and no debts appear on my report for this amount or even close to it (allowing for costs/fees). 
 

The debt is under £500.

Are we really expected to have to pay £100 or £255 to get it set aside with such a clear error by the claimant? 
 

any help or advice greatly appreciated thank you

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its not an error by the DCA if you have moved since you took out the credit and you did not inform the OC nor the DCA since, in writing ,that you'd moved.

please fill this out with the details you currently know please

dx

  • I agree 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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If you can apply for a set aside and demonstrate the error of the DCA then you can ask for the costs of the application to be awarded against them and it is nearly impossible the judge will not agree

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Hi, thanks for a quick reply. 
at the moment I don’t know what this debt is.

Nothing rings a bell or has been on my credit report recently. 

They obviously have my address as they have used part of it sending the paperwork to say 11 anystreet road, instead of flat 3 11 anystreet road.

The building has always been registered as flats and the postcode which they used only relates to the flats.

In this case wouldn’t that make it a mistake on their part?

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please ans my question...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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4 hours ago, dx100uk said:

if you have moved since you took out the credit and you did not inform the OC nor the DCA since, in writing ,that you'd moved.

is this true or not?#

dx#

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

We moved in within the last two years have a mail redirect from our previous address.

Have no idea what this debt is as have nothing around this amount. But they are at least aware where we live, they just missed the flat number off so we didn’t get it. 

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  • 7 months later...

what happened?

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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