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I got a CCJ from MKDP with regards to an old HSBC business account dormant since 2009.
I initially heard from MKDP in July 2014 but when they quoted account wasn't familiar with it as already have monthly payment agreement for old student HSBC account and have paid off my student credit card with them so was lost and because name and initial similar to relatives and have had claims which were not mine in the past assumed this was one and I submitted defence and opted for mediation.
When I rang the court office in November 2014 was told the other party hasn't responded so they were waiting to hear.I assumed updates or a letter confirming hearing would be sent once defence had submitted details and paid fee but heard nothing.
Sadly just got a letter which states hearing was on the 18th December and judgement passed. I had planned to attend but in a way was good that I didn't because I wouldn't have been prepared. "I didn't know the account being referred to" Sadly a credit search in the past showed nothing at the time, strangely now reflects the details. so not sure what happened.
I did an email search to see if I could find any correspondence with regards to the stated account and found out it was a business account I had as a student sadly I have no statements of this account but today tried to obtain from bank.
The account was not used for trading as used paypal instead but has accumulated charges of £655.42. The total now with court fees is £715.42. I had written to MKDP prior to this on receipt of the initial letter of intending claim for details about the account and got a letter saying they were investigation but they never got back to me instead they proceeded with county court claim.
In retrospect would have pursued with bank directly as charges harsh and excessive and settle via this means but now only have few days to sort this CCJ. It would be great if I had the resources would gladly end this.
However would like to dispute this and would have attended court in person if better informed. Need advise on disputing this to take further.
I initially heard from MKDP in July 2014 but when they quoted account wasn't familiar with it as already have monthly payment agreement for old student HSBC account and have paid off my student credit card with them so was lost and because name and initial similar to relatives and have had claims which were not mine in the past assumed this was one and I submitted defence and opted for mediation.
When I rang the court office in November 2014 was told the other party hasn't responded so they were waiting to hear.I assumed updates or a letter confirming hearing would be sent once defence had submitted details and paid fee but heard nothing.
Sadly just got a letter which states hearing was on the 18th December and judgement passed. I had planned to attend but in a way was good that I didn't because I wouldn't have been prepared. "I didn't know the account being referred to" Sadly a credit search in the past showed nothing at the time, strangely now reflects the details. so not sure what happened.
I did an email search to see if I could find any correspondence with regards to the stated account and found out it was a business account I had as a student sadly I have no statements of this account but today tried to obtain from bank.
The account was not used for trading as used paypal instead but has accumulated charges of £655.42. The total now with court fees is £715.42. I had written to MKDP prior to this on receipt of the initial letter of intending claim for details about the account and got a letter saying they were investigation but they never got back to me instead they proceeded with county court claim.
In retrospect would have pursued with bank directly as charges harsh and excessive and settle via this means but now only have few days to sort this CCJ. It would be great if I had the resources would gladly end this.
However would like to dispute this and would have attended court in person if better informed. Need advise on disputing this to take further.
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