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new CCJ added

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  • #16
    Re: new CCJ added

    I thought claims came from
    northampton
    They usually do, via MCOL.
    But there are other routes to issuing claims. (& various reasons why those routes are used).
    CAVEAT LECTOR

    This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb


    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.


    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

    Comment


    • #17
      Re: new CCJ added

      Originally posted by charitynjw View Post
      They usually do, via MCOL.
      But there are other routes to issuing claims. (& various reasons why those routes are used).
      Ok thanks for your help I will ring tomorrow and find out more....is it a bad thing coming from there?

      Comment


      • #18
        Re: new CCJ added

        is it a bad thing coming from there?
        Lol!
        Is any court claim against you a good thing?
        CAVEAT LECTOR

        This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

        You and I do not see things as they are. We see things as we are.
        Cohen, Herb


        There is danger when a man throws his tongue into high gear before he
        gets his brain a-going.
        Phelps, C. C.


        "They couldn't hit an elephant at this distance!"
        The last words of John Sedgwick

        Comment


        • #19
          Re: new CCJ added

          Originally posted by charitynjw View Post
          Lol!
          Is any court claim against you a good thing?
          Ok I'll take that lol - what I meant is does it change my defence of not receiving the papers?

          Comment


          • #20
            Re: new CCJ added

            Nope!
            CAVEAT LECTOR

            This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

            You and I do not see things as they are. We see things as we are.
            Cohen, Herb


            There is danger when a man throws his tongue into high gear before he
            gets his brain a-going.
            Phelps, C. C.


            "They couldn't hit an elephant at this distance!"
            The last words of John Sedgwick

            Comment


            • #21
              Re: new CCJ added

              interesting... it was not lowell it was a company called ACT management - it was for a vet bill that I recently requested was held until I received a full invoice.

              The interesting thing with this one is all the letters from this company have been sent to my new address (I have a few copies) but they send the claim form to an old address...sneaky

              Comment


              • #22
                Re: new CCJ added

                I rang them and they seem very difficult to deal with - the key point is I have multiple letters that have been received at this address most recent in April this year. I sent them an email in April confirming receipt of this letter and advising that I would like invoices before I paid the amount due. I next received anything back or any letters until I have received this judgement.

                I asked them on the phone to remove the ccj if I pay by the 1st October - they declined
                I advised them I will look to apply to set aside as the claim form was sent to a wrong address - they admitted to me on the call they did a "trace" on me in April due to no contact and it brought up that address.

                The thing that concerns me is the electoral roll shows I moved out of that address 2 years ago and has my current address (letters sent here)

                I cant understand why they have done this

                Comment


                • #23
                  Re: new CCJ added

                  That seems to happen far too often.

                  If you've received letters at your current address from the claimant before the claim ws issued you shouldn't have much issue getting it set aside. Was the original vet's bill at your old address?
                  #staysafestayhome

                  Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                  Received a Court Claim? Read >>>>> First Steps

                  Comment


                  • #24
                    Re: new CCJ added

                    I have checked my credit report and no trace has happened by that company at all ever so doesnt add up. I can see traces from other companies

                    - - - Updated - - -

                    Originally posted by Amethyst View Post
                    That seems to happen far too often.

                    If you've received letters at your current address from the claimant before the claim ws issued you shouldn't have much issue getting it set aside. Was the original vet's bill at your old address?
                    everything is at my current address - I didnt live at the old address when this vet bill was incurred - the vet vill was £4k I paid £3k at the time and there was £800 left from extra treatment which I disputed.

                    I have a copy of the email to them in April confirming receipt of the letters and asking for a detailed breakdown

                    Comment


                    • #25
                      Re: new CCJ added

                      They may have used a tracing company - anything like that on the file?

                      I sent them an email in April confirming receipt of this letter and advising that I would like invoices before I paid the amount due
                      Can you tell if you sent that email response to their letter before they issued the claim ?
                      #staysafestayhome

                      Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                      Received a Court Claim? Read >>>>> First Steps

                      Comment


                      • #26
                        Re: new CCJ added

                        Originally posted by Amethyst View Post
                        They may have used a tracing company - anything like that on the file?



                        Can you tell if you sent that email response to their letter before they issued the claim ?
                        There is no evidence of a trace by any company after March this year so I do not think they have done one if im honest.

                        I emailed them on the 21/04 after receiving a letter from them - I never received anything back and the next i've heard is a CCJ

                        Comment


                        • #27
                          Re: new CCJ added

                          What date was the judgment ?

                          If you just got an email about the credit file update, the judgment would have been at least a month ago, so say 1st July, which means the claim may not have been brought till June, but could be earlier - for best case scenario you need it to have been filed after your email on 21st April. Did the court say at all?
                          #staysafestayhome

                          Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                          Received a Court Claim? Read >>>>> First Steps

                          Comment


                          • #28
                            Re: new CCJ added

                            on my credit file it shows the following date of judgement 09/08/2017

                            it looks like it was after my email anyway

                            Comment


                            • #29
                              Re: new CCJ added

                              can I just fill in the n244 now and apply to get it set aside or would it be worth trying to sort out with them before that?

                              The guy asked me to email him proposals but said if it cant be paid in 28 days it will just show as satsified - I want it removed

                              Comment


                              • #30
                                Re: new CCJ added

                                if paid after 28 days it stays on CRA

                                Comment

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