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I have had a CCJ registered against my name for an address I previously lived in. I moved in August 2012 and was sure I informed the company I owed money to along with a few others. My bank, electric, TV etc. were all notified and updated their details. I did it all by phone.
In March, I joined a credit checking website to discover a CCJ on my file. Upon ringing the courts, I discovered it was the company that had raised it.
I called them and in my panic, I used what money I could to settle the debt. All of the money has been paid. I admit that I owed the money.
However, I was under the assumption it was being paid by a standing order each month. The standing order did not get set-up properly (something I am contesting with my bank); however, as I didn't think to check/didn't receive any correspondence from the company I assumed it was being paid each month. It was set-up to leave my account a day after I get paid so it was never something I would have "noticed" leaving my bank account.
The company raised the CCJ in December and sent all letters to my old address as they insist I did not contact them to change where I lived. As such, March was the first time I had heard anything about it. In the past, they have contacted me by both phone and email when letters went without a response (I went on holiday for three weeks and did not reply to a letter).
Do I have a case to dispute how the CCJ was raised on the basis that they did not contact me in the same manner they had done so previously? I can prove when I moved/that I contacted other companies and paid the outstanding amount in full on the day that I found out about the CCJ's existence.
I have been trying to deal directly with the company to no avail and wonder if a N244 is the best option. Ideally, I don't want this hanging around on my credit file for six years.
In March, I joined a credit checking website to discover a CCJ on my file. Upon ringing the courts, I discovered it was the company that had raised it.
I called them and in my panic, I used what money I could to settle the debt. All of the money has been paid. I admit that I owed the money.
However, I was under the assumption it was being paid by a standing order each month. The standing order did not get set-up properly (something I am contesting with my bank); however, as I didn't think to check/didn't receive any correspondence from the company I assumed it was being paid each month. It was set-up to leave my account a day after I get paid so it was never something I would have "noticed" leaving my bank account.
The company raised the CCJ in December and sent all letters to my old address as they insist I did not contact them to change where I lived. As such, March was the first time I had heard anything about it. In the past, they have contacted me by both phone and email when letters went without a response (I went on holiday for three weeks and did not reply to a letter).
Do I have a case to dispute how the CCJ was raised on the basis that they did not contact me in the same manner they had done so previously? I can prove when I moved/that I contacted other companies and paid the outstanding amount in full on the day that I found out about the CCJ's existence.
I have been trying to deal directly with the company to no avail and wonder if a N244 is the best option. Ideally, I don't want this hanging around on my credit file for six years.
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