Hi all,
5 days ago a CCJ has been made against me, long story short I was away for work for 9 weeks July - mid September on an internship after a redundancy and found out via email 2 days ago that there was a claim made against me from PRA when I was emailing them regarding a token payment. I went back to my address that they have yesterday and there's no claim pack there at all!
I was told the claim was issued on 16/08/2024 served on 21/08/2024. With 21 days to complete paperwork. I contacted PRA on the 27/08/2024, made a payment and was able to login as normal with no warnings or account closure and the judgment was served by default on 13/09/2024. I was able to set up a payment plan of £5 a month online which claimed it would close my account just before I was told of my CCJ on 16/09/2024. I did take screenshots of all of this shortly after being notified of my CCJ on the same day.
I have tried to get an answer from a StepChange, but struggling enormously. I wanted to ask how likely it is I would be able to remove the CCJ which has was made against me 5 days ago. In this time frame leading up to this across August and September, I was able to make token payments and set up a payment plan on my account without anything notifying me - does this help my defence at all? I was already behind in my payments due to other impending stressors in my life with work and my housing situation.
I am also in a dire situation with accommodation having to move away for safety from some housemates who have substance abuse issues. Could I explain in my N244 that a CCJ would have a detrimental impact on me as I will likely struggle to be able to rent, I need to relocate in a few months and may end up homeless? I also work in film production where people are often required to rent cars (or drive) can my work impact be mentioned in an N244 or does this sound unprofessional?
I also wanted to ask if its possible to get a consented N244 from the claimant, considering I can definitely prove I was away for work reasons, I never received the paper anyway but I was also interning in a different city, Is this common practise? I have already told them I will be pushing for a N244.
I was also advised to apply for a redetermination within 14 days, does this mean if an agreement is made on payment that a CCJ is withdrawn?
In terms of my defence for my N244 would anyone be able to suggest anything other than I never was served the claim, with the above information? Can I claim embarrassment, vulnerability, potential loss of employment and homelessness in my defence alongside being away for work and not having the paperwork at home?
Thanks in advance,
A very stressed person
5 days ago a CCJ has been made against me, long story short I was away for work for 9 weeks July - mid September on an internship after a redundancy and found out via email 2 days ago that there was a claim made against me from PRA when I was emailing them regarding a token payment. I went back to my address that they have yesterday and there's no claim pack there at all!
I was told the claim was issued on 16/08/2024 served on 21/08/2024. With 21 days to complete paperwork. I contacted PRA on the 27/08/2024, made a payment and was able to login as normal with no warnings or account closure and the judgment was served by default on 13/09/2024. I was able to set up a payment plan of £5 a month online which claimed it would close my account just before I was told of my CCJ on 16/09/2024. I did take screenshots of all of this shortly after being notified of my CCJ on the same day.
I have tried to get an answer from a StepChange, but struggling enormously. I wanted to ask how likely it is I would be able to remove the CCJ which has was made against me 5 days ago. In this time frame leading up to this across August and September, I was able to make token payments and set up a payment plan on my account without anything notifying me - does this help my defence at all? I was already behind in my payments due to other impending stressors in my life with work and my housing situation.
I am also in a dire situation with accommodation having to move away for safety from some housemates who have substance abuse issues. Could I explain in my N244 that a CCJ would have a detrimental impact on me as I will likely struggle to be able to rent, I need to relocate in a few months and may end up homeless? I also work in film production where people are often required to rent cars (or drive) can my work impact be mentioned in an N244 or does this sound unprofessional?
I also wanted to ask if its possible to get a consented N244 from the claimant, considering I can definitely prove I was away for work reasons, I never received the paper anyway but I was also interning in a different city, Is this common practise? I have already told them I will be pushing for a N244.
I was also advised to apply for a redetermination within 14 days, does this mean if an agreement is made on payment that a CCJ is withdrawn?
In terms of my defence for my N244 would anyone be able to suggest anything other than I never was served the claim, with the above information? Can I claim embarrassment, vulnerability, potential loss of employment and homelessness in my defence alongside being away for work and not having the paperwork at home?
Thanks in advance,
A very stressed person
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