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I got CCJ from BW Legal and i am not sure what to do and is there any chance for it to be removed any advise is welcomed. This is my story I received Letter of Claim from Lowell and BW Legal on 21 of March 2016, asking to pay £953.17 for my debt to Freemans PLC. Asking me to pay or respond by 7 April 2016. At that time I was travelling and I seen the letters only beginning of April, so on 7th of April I contacted BW Legal and acknowledged the debt and agreed payment plan. I was assured over the that County Court Claim was already submitted but will be on hold, but if I miss any of agreed payment they will go ahead with it. I provided my account details to set up direct debit for the agreeed amount of £55 a month. On 10 of April I received County Court Claim documents with a claim, but I though because I spoke with them and agreed repayment plan this is just documents posted earlier before my agreement. At that point I did not notice the date on County Court Claim paperwork. The date on documents was 8 of April 2016 and amount was slightly different it was £954.70 (surprisingly it was after my conversation with them).
Call me naive , but I believed it, and my first payment date was supposed to be 25/04/2016. On 23 of April I receive reminder from BW Legal that my payment is due in two days but if I pay via DD it will be collected automatically. On 25 of April I checked my bank account but there was no payments to BW Legal, so I checked my direct debits and there was no direct debit in BW Legal name. I got concerned and straight away got on a phone to BW asking them is there any issues with my DD payment, but they responded that everything is ok and they received my payment, I was surprised and insisted them to double check as I could not see it on my bank statement or any DD in BW name. But they assured me that everything is ok and that it might take 24 hours for it to appear. Next day I checked my online statement again, but there was nothing paid to BW so I called them right away again and they gave me the same story that everything is fine. On 2 of May I called them again asking is my payment definitely cleared as I can not see it on my bank statement, this time I was told that DD failed and payment went back to my bank, but I explained to them that I could not even see DD to be set up. BW told me that it could be mistake in a set up and if I am willing to make payment now via card. Of course I agreed and made initial payment on 2/5/2016 that appered on my bank statement as cleared on 9/5/2016. I also gave again my account details to set up DD again. I though that was it. How I was wrong, on 14 of May I received a letter dated 12/05/2016 from BW Legal saying that County Court Judgement Has Been Entered against You. And I need to pay £939.70 of which £170 for costs via instalments of £55 a month. Which is completely shattered me I went to my Credit Expert account and for sure CCJ is there, so now I am not sure what can I do and is there anything that can be done for CCJ to be removed as I honestly believe I have been misled. Can anyone please give me any suggestions what to do next.
Thank you and sorry if it is a bit long read.
I got CCJ from BW Legal and i am not sure what to do and is there any chance for it to be removed any advise is welcomed. This is my story I received Letter of Claim from Lowell and BW Legal on 21 of March 2016, asking to pay £953.17 for my debt to Freemans PLC. Asking me to pay or respond by 7 April 2016. At that time I was travelling and I seen the letters only beginning of April, so on 7th of April I contacted BW Legal and acknowledged the debt and agreed payment plan. I was assured over the that County Court Claim was already submitted but will be on hold, but if I miss any of agreed payment they will go ahead with it. I provided my account details to set up direct debit for the agreeed amount of £55 a month. On 10 of April I received County Court Claim documents with a claim, but I though because I spoke with them and agreed repayment plan this is just documents posted earlier before my agreement. At that point I did not notice the date on County Court Claim paperwork. The date on documents was 8 of April 2016 and amount was slightly different it was £954.70 (surprisingly it was after my conversation with them).
Call me naive , but I believed it, and my first payment date was supposed to be 25/04/2016. On 23 of April I receive reminder from BW Legal that my payment is due in two days but if I pay via DD it will be collected automatically. On 25 of April I checked my bank account but there was no payments to BW Legal, so I checked my direct debits and there was no direct debit in BW Legal name. I got concerned and straight away got on a phone to BW asking them is there any issues with my DD payment, but they responded that everything is ok and they received my payment, I was surprised and insisted them to double check as I could not see it on my bank statement or any DD in BW name. But they assured me that everything is ok and that it might take 24 hours for it to appear. Next day I checked my online statement again, but there was nothing paid to BW so I called them right away again and they gave me the same story that everything is fine. On 2 of May I called them again asking is my payment definitely cleared as I can not see it on my bank statement, this time I was told that DD failed and payment went back to my bank, but I explained to them that I could not even see DD to be set up. BW told me that it could be mistake in a set up and if I am willing to make payment now via card. Of course I agreed and made initial payment on 2/5/2016 that appered on my bank statement as cleared on 9/5/2016. I also gave again my account details to set up DD again. I though that was it. How I was wrong, on 14 of May I received a letter dated 12/05/2016 from BW Legal saying that County Court Judgement Has Been Entered against You. And I need to pay £939.70 of which £170 for costs via instalments of £55 a month. Which is completely shattered me I went to my Credit Expert account and for sure CCJ is there, so now I am not sure what can I do and is there anything that can be done for CCJ to be removed as I honestly believe I have been misled. Can anyone please give me any suggestions what to do next.
Thank you and sorry if it is a bit long read.
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