Help wanted ASAP please
6 months ago I received notification of a CCJ against me - it was the first I heard about it. I queried and was told it had been granted as I had not replied to correspondence - Hadn't had any correspondence about it. Applied to have it set aside on the grounds of being statute barred - judge agreed - Restons said couldn't be done as too much time had lapsed from issue of CCJ. I wrote to them asking for proof of the debts - seemed as though a credit card that I had no recollection of taking out in 2003. However they said I had made a payment in 2011. Again I had no recollection - I moved in 2009 and had no paperwork. When it went to court the judge said had to be another hearing as Restons couldn't provide any proof of the amount of the original debt or statements, or the payment. The hearing is on Monday. This week they have provided a screen shot showing credits to an account of £5 over several months (not payments), prior to this they said they had a witness statement about one payment in November 2011. Today I had a letter saying if it goes to another hearing the costs will increase to over £2K - this means that I will owe nearly £5K. I had no idea that I would be billed for their letters and proof. I rent my housing association home and although self-employed I dont take money from the business as in start-up and am on benefits - any suggestions on what I do now please - I don't want to be bullied into settling before the hearing on Monday, but worry that I will have a worse outcome by going to court. I have to send a skeleton outline of my case to the court tomorrow but with the new stuff from Restons not sure what to put nowm
Thanks for any help - Vic
6 months ago I received notification of a CCJ against me - it was the first I heard about it. I queried and was told it had been granted as I had not replied to correspondence - Hadn't had any correspondence about it. Applied to have it set aside on the grounds of being statute barred - judge agreed - Restons said couldn't be done as too much time had lapsed from issue of CCJ. I wrote to them asking for proof of the debts - seemed as though a credit card that I had no recollection of taking out in 2003. However they said I had made a payment in 2011. Again I had no recollection - I moved in 2009 and had no paperwork. When it went to court the judge said had to be another hearing as Restons couldn't provide any proof of the amount of the original debt or statements, or the payment. The hearing is on Monday. This week they have provided a screen shot showing credits to an account of £5 over several months (not payments), prior to this they said they had a witness statement about one payment in November 2011. Today I had a letter saying if it goes to another hearing the costs will increase to over £2K - this means that I will owe nearly £5K. I had no idea that I would be billed for their letters and proof. I rent my housing association home and although self-employed I dont take money from the business as in start-up and am on benefits - any suggestions on what I do now please - I don't want to be bullied into settling before the hearing on Monday, but worry that I will have a worse outcome by going to court. I have to send a skeleton outline of my case to the court tomorrow but with the new stuff from Restons not sure what to put nowm
Thanks for any help - Vic
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