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CCJ and leter from bwlegal
Today I've received a letter from bwlegal in reference to a CCJ obtained against me in November 2013. The matter relates to car vehicle finance I had some 5/6 years ago. The finance agreement was a deal where the car could be surrendered and the finance deal terminated, unfortunately I cant remember the full details of the agreement and no longer have any paperwork relating to it.
At at the time of giving the car back to the finance company my situation was that I was out of work, me & my partner separated and I was suffering depression due to my mum passing away. I was also renting an apartment and my landlord decided to sell up. With all this happening I decided to move 300 miles away to start afresh.
To date, this is the first correspondence I've had regarding the CCJ so I'm totally in the dark as to what the £3000+ claim is for.
I'm unsure what to do first! Do I have a case now that a CCJ has been made to question what the charge is for? If I can should I question this with the court or with bwlegal? I'm even unsure if the CCJ is legitimate, though it does look true. So many times I've heard of dodgy so-called legal/solicitor letters. Even now my circumstances are a lot better, having been in and out of work and catching up with other debts I'm unable to pay the debt in full. I'll even struggle to make monthly payments as I still find myself having to borrow petrol money off family to get to work near to pay day.
Any help or advise you can offer me would be much appreciated.
At at the time of giving the car back to the finance company my situation was that I was out of work, me & my partner separated and I was suffering depression due to my mum passing away. I was also renting an apartment and my landlord decided to sell up. With all this happening I decided to move 300 miles away to start afresh.
To date, this is the first correspondence I've had regarding the CCJ so I'm totally in the dark as to what the £3000+ claim is for.
I'm unsure what to do first! Do I have a case now that a CCJ has been made to question what the charge is for? If I can should I question this with the court or with bwlegal? I'm even unsure if the CCJ is legitimate, though it does look true. So many times I've heard of dodgy so-called legal/solicitor letters. Even now my circumstances are a lot better, having been in and out of work and catching up with other debts I'm unable to pay the debt in full. I'll even struggle to make monthly payments as I still find myself having to borrow petrol money off family to get to work near to pay day.
Any help or advise you can offer me would be much appreciated.
