Hi there - bit of a strange one but I have recently discovered I have a CCJ against me that is already 2 years old. It was awarded in my absence obviously hence me only just finding out. It was awarded against me at an address I've not lived at for 7 years (5 yrs at the time of awarded). I've not received any paperwork at all ever for it - it was discovered after I randomly used Check My File to see what my credit rating was like. The claimant is Idem Servicing. I have been intending to file a claim to the court to have it reversed/set aside etc so I can challenge for CCA etc as I do not believe the debt is valid or that they could provide a CCA but just haven't got round to it just yet or had the cash spare to file the request to the court. When I contacted the court via telephone to ask about the claimant etc and to find out what I could do I was told there was zero activity on the claim since it was awarded.
However, fast forward to today and I've received to my current address a discount available collections letter from Hoist Finance for the exact same amount and it says the previous debt is Idem Servicing. It's standard collections letter etc - no mention of CCJ etc and with a 33% discount available if I pay now etc.
My question is what does this mean for the CCJ - is this normal practice? And what if any should I do? My approach would have been wait to a letter before action in order to challenge (as I would have done if I'd known about it pre CCJ) but I'm stumped about what all this means. Any help gratefully received. Thanks in advance.
However, fast forward to today and I've received to my current address a discount available collections letter from Hoist Finance for the exact same amount and it says the previous debt is Idem Servicing. It's standard collections letter etc - no mention of CCJ etc and with a 33% discount available if I pay now etc.
My question is what does this mean for the CCJ - is this normal practice? And what if any should I do? My approach would have been wait to a letter before action in order to challenge (as I would have done if I'd known about it pre CCJ) but I'm stumped about what all this means. Any help gratefully received. Thanks in advance.