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ccj won by default

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  • ccj won by default

    Just received letter attached saying I got a CCJ due to none payment of a Yorkshire bank credit card but I did not receive any correspondence previously from them. Last I spoke to Marlin and offered them a settlement figure and they was getting back to my by phone. This is the first thing i got its been to court and i lost and have to pay an additional £540.
    Any suggestions ?


    - - - Updated - - -

    I wrote this to reply but not sent it yet
    County Court Judgement

    IN RESPONCE TO THIS LETTER / JUDGEMENT
    IT says on the letter You have not replies to the claim form ??
    What claim form ?
    This is the first I know about any CCJ.
    Last 2 times I spoke to Marlin I offered them £2000 as a full and final settlement for this yb visa wish I am told is not a secured loan and they rang me back saying no so I offered £2500 and asked if thats a no what would they take as a settlement .
    i was told i would here back in due course.
    As far I was aware I was paying £50 a month and i did not realise the default. I'm more than happy to double this payment to £100 a month if need be.
    I've heard nothing back and have received no correspondence regarding this matter .
    if i had i would have emailed as i am doing now for my records.
    the CCJ just seems like a bulling way to get the money even though i have never refused to make payment or have been resent new payment details to send payments to .
    Lee Crabtree
    Can we get the CCJ lifted and carry on with payments or the settlement offer that I was never replied to or do you suggest I get legal advice?.
    Attached Files
    Tags: None

  • #2
    Re: ccj won by default

    Hi sunshineblinds, welcome to LB.

    You would need to apply to have the CCJ set aside.
    http://legalbeagles.info/library/how...-judgment-ccj/
    Can you think of any reason why the original court claim pack would have gone astray? (It is quite an imposing set of documents, not easy to overlook if delivered).
    You could try writing to the Judgment Creditor (MEIII) to obtain their consent first.
    Either way, you'll need to act quickly.
    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

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