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First, thank you for all the posts, they have really helped me understand where I am with this although none of them follow my full circumstances, hence the post...
I have been the victim of fraud and found several defaults and a CCJ on my credit file which I knew nothing about.
I have contacted Action Fraud and all parties involved over the last few months but got nowhere fast with the exception of the CCJ.
CCJ - Debt company had a judgement by default - they didn't have my correct address so I never received any of the paperwork.
Sent off the N244 with a statement.
Sent debt company evidence the debt is not mine and they then agreed to a Consent Order
Consent order states:
1, 13(2)(b) and 13.3(1)(b)(I)….Defendant may not have had a reasonable opportunity to respond.
2, Defendant to file defence within 14 days of Order.
3, Directions Questionnaire to be filed.
4, No Order as to costs.
My queries are:
1, Should I receive anything more than the Consent Order from the court?
2, How do I submit my defence? Would this be to the court named on the Consent Order (this is different to previous as it was Northampton)
3, Where do I get a Directions Questionnaire from?
4, I went through a rigorous interview process and received a job offer. The job offer was revoked when they checked my Credit file (this is the only reason I know about the CCJ) should I be asking for compensation? Have I waived my right to this by signing the consent order? I'm obviously gutted about this and emotionally attached so want a non biased opinion on if I can claim anything for this as it's affected my entire family, pension, etc.
Other fraudulent defaults
One is with the ombudsman, the others are refusing to respond other than generic correspondence as they can't verify me on the account. I'm literally at my whit's end with these.
I have been the victim of fraud and found several defaults and a CCJ on my credit file which I knew nothing about.
I have contacted Action Fraud and all parties involved over the last few months but got nowhere fast with the exception of the CCJ.
CCJ - Debt company had a judgement by default - they didn't have my correct address so I never received any of the paperwork.
Sent off the N244 with a statement.
Sent debt company evidence the debt is not mine and they then agreed to a Consent Order
Consent order states:
1, 13(2)(b) and 13.3(1)(b)(I)….Defendant may not have had a reasonable opportunity to respond.
2, Defendant to file defence within 14 days of Order.
3, Directions Questionnaire to be filed.
4, No Order as to costs.
My queries are:
1, Should I receive anything more than the Consent Order from the court?
2, How do I submit my defence? Would this be to the court named on the Consent Order (this is different to previous as it was Northampton)
3, Where do I get a Directions Questionnaire from?
4, I went through a rigorous interview process and received a job offer. The job offer was revoked when they checked my Credit file (this is the only reason I know about the CCJ) should I be asking for compensation? Have I waived my right to this by signing the consent order? I'm obviously gutted about this and emotionally attached so want a non biased opinion on if I can claim anything for this as it's affected my entire family, pension, etc.
Other fraudulent defaults
One is with the ombudsman, the others are refusing to respond other than generic correspondence as they can't verify me on the account. I'm literally at my whit's end with these.
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