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So I recently tried to apply for a rental property and as such had to go through referencing. No problem I thought as i did not have any CCJ or Bankruptcies so It would be a breeze as they can only see public records. But no ... after not checking my credit file for 3 years I find a CCJ entered back in 2011. So hang on aren't I supposed to receive some documentation regarding the claim prior to any judgment being set... well yes thats what i thought. Anyway Let me explain the premise of the case.
Back in 2010 I was working as a driver for a logistics company. I needed a van to do the job so I approached a van hire company. I paid a Key deposit of £250 and the first months van rental in advance and received the vehicle . Everything was fine for the first few months but then the work slowly dried up from the depot and the payments became erratic. Naturally the van company where not happy but i explained the situation as soon as it became apparent. I was at that point i believe £167 in arrears. The van broke down and they sent out one of their fleet mechanics to inspect the vehicle. the starter motor was nackered and i was advised by the mechanic that the van rental company would replace the van as per the agreement. the van remained parked outside my house for approximately 10 days , unused but i was being charged for it. i was given an ultimatum by the van company, pay the balance or we will collect the vehicle, well i naturally agreed since the work had dried up and the van was unusable. they arrived one afternoon to inspect the vehicle and found the following damage
Broken wing mirror
chip in the wind screen
stolen ford badges
The following week i receive an email stating that i had until 6pm on Monday 1st November to contact them and illustrate how i was going to pay the debt that now stood at £623....I contacted them on the 1st and stated that if they sent me a breakdown of all the costs that i would pay agreed amount but i wanted them to acknowledge that they
Number 1: still had my £250 key deposit ( the van was collected and the keys where returned)
Number 2 : the van was off the road and was not in use for 10 days ( which was their responsibility to fix ) yet i was charged for the rental
The judgment should not have been set given the fact i didn't receive any documentation and furthermore the van rental company should have factored into the claim that they have my key deposit and the van was unusable.
I would greatly appreciate some help on this matter ... do I have a case to have this judgment set aside??
Back in 2010 I was working as a driver for a logistics company. I needed a van to do the job so I approached a van hire company. I paid a Key deposit of £250 and the first months van rental in advance and received the vehicle . Everything was fine for the first few months but then the work slowly dried up from the depot and the payments became erratic. Naturally the van company where not happy but i explained the situation as soon as it became apparent. I was at that point i believe £167 in arrears. The van broke down and they sent out one of their fleet mechanics to inspect the vehicle. the starter motor was nackered and i was advised by the mechanic that the van rental company would replace the van as per the agreement. the van remained parked outside my house for approximately 10 days , unused but i was being charged for it. i was given an ultimatum by the van company, pay the balance or we will collect the vehicle, well i naturally agreed since the work had dried up and the van was unusable. they arrived one afternoon to inspect the vehicle and found the following damage
Broken wing mirror
chip in the wind screen
stolen ford badges
The following week i receive an email stating that i had until 6pm on Monday 1st November to contact them and illustrate how i was going to pay the debt that now stood at £623....I contacted them on the 1st and stated that if they sent me a breakdown of all the costs that i would pay agreed amount but i wanted them to acknowledge that they
Number 1: still had my £250 key deposit ( the van was collected and the keys where returned)
Number 2 : the van was off the road and was not in use for 10 days ( which was their responsibility to fix ) yet i was charged for the rental
The judgment should not have been set given the fact i didn't receive any documentation and furthermore the van rental company should have factored into the claim that they have my key deposit and the van was unusable.
I would greatly appreciate some help on this matter ... do I have a case to have this judgment set aside??
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