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    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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CCJ on Equifax


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Hi,

 

I have just done a credit check with Equifax and found a CCJ on there through Northampton CCBC dated March 2005.

 

The CCJ is for exactly £100 which is a really odd amount and I have no idea who\what it is from. It is also registered at an address that I have not lived at for some years.

 

Does anyone know if there is a way of finding out what the CCJ is for? There is a ref number on Equifax which starts with 5QVxxxxx.

 

Any help would be appreciated as always!

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I've just had the thought that as it's a previous address, by doing a search from your new address you will let it be known where you are.

 

I don't advocate debt avoidance, but I just thought I should point that out (as I'm a Gentleman :rolleyes: )

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Too late I am afraid, I have already had a couple of nasty shocks come back to haunt me from my student days, but thanks for the warning anyway.

 

It is the weird amount that is bothering me more than anything. £100 exactly sounds like a set fine or fee rather than just an unpaid bill.

 

Is there anyway of contacting the Northampton court directly to pay the bill? I preume that it has to go through the solictor's who put the claim in which obviously I don't know.

 

Can't decide wether to do the RTL search and see what it comes up with or just leave it and see if whoever put the claim in the first place cares enough to search for me, which would not be difficult. Either way I am stuck with it on my record for the next five years or so.

 

Is there no law that says the person you are claiming against has to be aware of the claim in the first place?

 

Grrr.

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Ask the court to send you the case particulars, quoting that reference number which should be the case number. If it's a default judgment (it must be if you didn't know about it) you can probably have it set aside and re-tried but this will cost you £65. If it's a statutory fine you'll have to pay it so basically you can get it off Equifax for £165. If you just pay the bill/fine it will simply be marked as satisfied on Equifax, stay there and still wreck your credit score.

"Why CCJ when you can CCA!"

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Right then...

 

I got through to the courts and they told me the CCJ was from the DVLA.

 

I phoned the DVLA and they said that it was for failure to re-tax a car that I had not owned for a couple of years. It seems that the individual I sold it to had not sent in the transfer document as he promised he would.

 

The weirdest thing is that they claim that I made a payment for the arears owed but failed to pay the actual fine and that is what the CCJ was for. Now I never made any sort of payment relating to that vehicle as i didn't even own it and did not know anything about the offence. I moved house at the same time as selling the vehicle so I guess the documents were being sent to my old address but then again I had been registered at my current address with the DVLA long before this went to court so don't understand why they would not have sent documents relating to me to the correct address.

 

The lady at the DVLA said that even if I re-open the case I am likely to still be found at fault as I had not informed the DVLA of the change of ownership so I end up stuck with a CCJ because a mate of a mate failed to send in the original documents.

 

Please help! Is this an SAR situation? If I can prove that I did not know anything about this and that the arears payment was not made by me do you think I have a case for getting it removed?

 

Any advice would be really appreciated.

 

Maybe I should re-post this in a more relevant area.

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