CCJ issue

[hellotoall]

Hi all

Im in need of some good advice please.

I went onto my credit file to find a CCJ had been applied to a previous address I know longer live at for an amount of £5767.31.

I took out a current account with a big overdraft with Yorkshire bank in June 2008, later that year my business was victim of the credit crunch, i was an insurance adviser and the network we used to submit business went bust owing me thousands, it was a hard time and i defaulted on the account. I didn't hear anything for years and when I moved home I didn't inform them i had moved and to be fair i thought the debt was statue barred by now or very close to being.

My issue now is I've applied to be a financial adviser again and this CCJ has come up from nowhere and is causing me problems with my application, ive looked at getting it set aside but don't know how best to approach this to get it removed if possible from my credit file

the debt is now owned by Marlin financial and the judgement was issued in Nov 2014 and I knew nothing about this or had any paperwork until I applied for this job and they credit searched me.

any help would be greatly appreciated

[Streetwise]

Re: CCJ issue

Hi all

Im in need of some good advice please.

I went onto my credit file to find a CCJ had been applied to a previous address I know longer live at for an amount of £5767.31.

I took out a current account with a big overdraft with Yorkshire bank in June 2008, later that year my business was victim of the credit crunch, i was an insurance adviser and the network we used to submit business went bust owing me thousands, it was a hard time and i defaulted on the account. I didn't hear anything for years and when I moved home I didn't inform them i had moved and to be fair i thought the debt was statue barred by now or very close to being.

My issue now is I've applied to be a financial adviser again and this CCJ has come up from nowhere and is causing me problems with my application, ive looked at getting it set aside but don't know how best to approach this to get it removed if possible from my credit file

the debt is now owned by Marlin financial and the judgement was issued in Nov 2014 and I knew nothing about this or had any paperwork until I applied for this job and they credit searched me.

any help would be greatly appreciated

The Yorkshire bank ,did they place the default on your credit file and what date was the default placed,this should show on your credit file.

[hellotoall]

Re: CCJ issue

The Yorkshire bank ,did they place the default on your credit file and what date was the default placed,this should show on your credit file.

Hi thanks for your response, the information from my experian report is as follows

yorkshire bank start date 12.09.08 , settlement date 23.09.09 balance 3575

marlin start date 05.06.2008 default date 11.10.2009 default amount 3575

look like marlin purchased the debt, now I did inform yorkshire bank in branch of change if address.

ccj has been filed at 5667 when default was only 3575, ccj date 27.11.2014

any helps appreciated

[Streetwise]

Re: CCJ issue

Hi thanks for your response, the information from my experian report is as follows

yorkshire bank start date 12.09.08 , settlement date 23.09.09 balance 3575

marlin start date 05.06.2008 default date 11.10.2009 default amount 3575

look like marlin purchased the debt, now I did inform yorkshire bank in branch of change if address.

ccj has been filed at 5667 when default was only 3575, ccj date 27.11.2014

any helps appreciated

The default should fall of your credit file this year,I know that doesn't help you with the job.

The CCJ you could apply to have set aside you need to fill out an N244, you can say that you advised Yorkshire bank of your change of address but Marlin sent the POC to your old address,probably just a cheap shot by them just to get judgement by default.
Have Marlin tried to Enforce this judgement yet,its been three and a half months since judgement,and you only new about the CCJ because you checked your own credit file when applying for a job.
If it was me i would get the N244 filed with the court ASAP.
Looks like Marlin are up to no good.
How come the Marlin start date is before the Yorkshire bank start date as in DEFAULT.

[hellotoall]

Re: CCJ issue

The default should fall of your credit file this year,I know that doesn't help you with the job.

The CCJ you could apply to have set aside you need to fill out an N244, you can say that you advised Yorkshire bank of your change of address but Marlin sent the POC to your old address,probably just a cheap shot by them just to get judgement by default.
Have Marlin tried to Enforce this judgement yet,its been three and a half months since judgement,and you only new about the CCJ because you checked your own credit file when applying for a job.
If it was me i would get the N244 filed with the court ASAP.
Looks like Marlin are up to no good.

thanks for your response

the default may fall of this year but the CCJ will be here for 6 years now unless I'm successful with the set aside

how do current account overdrafts work when trying to claim statue barred as i stopped using the account late 2014 i believe so it very very close to being statue barred in my opinion. with the address mix up should i file a statue barred defense aswell? or just go on the address issue if so how successful am i likely to be

[nemesis45]

Re: CCJ issue

There appears to be a discrepancy here!
Settlement date (Sale to Marlin ?) 23/09/2009?
Marlin start date:05.06.2008?
Default date:11.10.2009;

Default date should obviously before 23.09.09
The Marlin start date is 05.06.2008, which prior to the settlement (sale date??)
Can you please post a redacted copy of the credit file entry.

nem.

[hellotoall]

Re: CCJ issue

There appears to be a discrepancy here!
Settlement date (Sale to Marlin ?) 23/09/2009?
Marlin start date:05.06.2008?
Default date:11.10.2009;

Default date should obviously before 23.09.09
The Marlin start date is 05.06.2008, which prior to the settlement (sale date??)
Can you please post a redacted copy of the credit file entry.

nem.

hi

If you have incorrect details on your report contact CABOT FINANCIAL (MARLIN) LTD
Entry numberC18Name
ROADAddress
02/12/1981Date of Birth
Account started05/06/2008Default Date11/10/2009Default Balance£3575
Experian expect to receive your credit account information from lenders every 4-6 weeks. If you have recently made a payment or missed a payment, it may not be reflected in the status details below.

• [*=center]1 - 12 Months
  [*=center]13 - 24 Months
  [*=center]25 - 72 Months

Key

5.6k	5.6k	5.6k	5.6k	3.6k	3.6k	3.6k	3.6k	3.6k	3.6k	3.6k	3.6k

[hellotoall]

Re: CCJ issue

There appears to be a discrepancy here!
Settlement date (Sale to Marlin ?) 23/09/2009?
Marlin start date:05.06.2008?
Default date:11.10.2009;

Default date should obviously before 23.09.09
The Marlin start date is 05.06.2008, which prior to the settlement (sale date??)
Can you please post a redacted copy of the credit file entry.

nem.

If you have incorrect details on your report contact YORKSHIRE BANK
Entry numberC17Name
Address
02/12/1981Date of Birth
Account started12/09/2008Settlement Date23/09/2009
Experian expect to receive your credit account information from lenders every 4-6 weeks. If you have recently made a payment or missed a payment, it may not be reflected in the status details below.

• [*=center]1 - 12 Months
  [*=center]13 - 24 Months

Key

	2	1
0	3.4k	3.3k	3.2k	1.9k	1.3k	1.3k	89	0	611	1.6k	1.2k
10/09 08/09 05/09 04/09 2.8k 2.9k 1.8k 1.4k

Closed accounts are kept on file for six years from the date of closure. The status history in respect of a closed account relates to the period of time prior to the date of closure.

[Streetwise]

Re: CCJ issue

thanks for your response

the default may fall of this year but the CCJ will be here for 6 years now unless I'm successful with the set aside

how do current account overdrafts work when trying to claim statue barred as i stopped using the account late 2014 i believe so it very very close to being statue barred in my opinion. with the address mix up should i file a statue barred defense aswell? or just go on the address issue if so how successful am i likely to be

Sorry what do you mean stopped using the account LATE 2014.

[hellotoall]

Re: CCJ issue

Sorry what do you mean stopped using the account LATE 2014.

sorry got confused! Stopped using the account in 2008, im not sure on exact dates it was probably september/october from memory. i stopped using as ended up being over my overdraft and had financial difficulties

[Streetwise]

Re: CCJ issue

sorry got confused! Stopped using the account in 2008, im not sure on exact dates it was probably september/october from memory. i stopped using as ended up being over my overdraft and had financial difficulties

Well the only way to get the CCJ lifted is to go for set aside that to me would be the start point,you didn't answer the question ( Have Marlin tried to ENFORCE ).

[hellotoall]

Re: CCJ issue

No they haven't tried to enforce as yet but I spoke to the solicitor yesterday without admitting the debt and they were about to apply for attachment of earnings

should my set aside argument be about address and apply a statue barred defense or will the address issue be suffice

[Streetwise]

Re: CCJ issue

No they haven't tried to enforce as yet but I spoke to the solicitor yesterday without admitting the debt and they were about to apply for attachment of earnings

should my set aside argument be about address and apply a statue barred defense or will the address issue be suffice

Well its not SB yet is it,you don't have a defence yet as you have to get the judgement set aside make your application on the truth you never received the paperwork move fast .And you should not have spoken to anybody you need a paper trail now.

[hellotoall]

Re: CCJ issue

Well its not SB yet is it,you don't have a defence yet as you have to get the judgement set aside make your application on the truth you never received the paperwork move fast .And you should not have spoken to anybody you need a paper trail now.

ok thanks

my understanding is it would be statue barred as if no payments were made or acknowledgment in 6 yrs which from oct 2008 six years is oct 2014 so the ccj is after this date.

but I do appreciate your help and expertise so if my understanding is incorrect then can you explain thanks

[Streetwise]

Re: CCJ issue

ok thanks

my understanding is it would be statue barred as if no payments were made or acknowledgment in 6 yrs which from oct 2008 six years is oct 2014 so the ccj is after this date.

but I do appreciate your help and expertise so if my understanding is incorrect then can you explain thanks

When did they stop adding charges to the account,was this September 2009 or October 2008.