so in 2021 I had a default CCJ against me by utilita energy
I was having a mental health relapse now I am doing a lot better so was repairing my credit file from issues in that time frame and had a CCJ from utilita so jan/Feb 2024 I contacted utilita to resolve the debt and was advised to speak with LRC (legal recovery and collections) I contacted them quaryed the amount due to me unofficially moving out and the boiler been condemned (was a gas debt) I was advised to send some evidence regarding the boiler and my mental health witch I did and there response was there case on the matter was closed and to contact utilita so I did they advised me to go back to LRC at this point I applied to the court to have the judgement set aside so I could find out who to deal with however they didn't contest my application and made zero contact with the courts so the judgement was set a side in March 24
then LRC took me back to court for the CCJ and they won and a CCJ was awarded against me with 28 days to pay I can not afford it
I also made a complaint against LRC and utilita who both claim it was down to the courts so i contacted the courts and they advised me that its not been registered against me but a ccj was given
I am confused as to if and when the ccj will be registered against me
will it be after the 28 days once the judgement is in "default" and if so would it be another court hearing
or if I set up a payment arrangement would It hit my credit file
or could I ask for a very of the order and request a tomlin order to keep it off my credit file
I called them in good faith in jan/feb to be passed from piller to post and put in a position to set a side the judgement they had no contact with the courts or my self
4 days before it was due to be struck out they sent the court some documents
the courts sent me a court hearing if they paid the trile fee
attendEd court and effectively lost
so effectively I had a ccj for 3 years got it set aside with no objection and then a new ccj for a further 6 years so the same debt under a ccj for 9 years
hope this makes sense sorry If not
I was having a mental health relapse now I am doing a lot better so was repairing my credit file from issues in that time frame and had a CCJ from utilita so jan/Feb 2024 I contacted utilita to resolve the debt and was advised to speak with LRC (legal recovery and collections) I contacted them quaryed the amount due to me unofficially moving out and the boiler been condemned (was a gas debt) I was advised to send some evidence regarding the boiler and my mental health witch I did and there response was there case on the matter was closed and to contact utilita so I did they advised me to go back to LRC at this point I applied to the court to have the judgement set aside so I could find out who to deal with however they didn't contest my application and made zero contact with the courts so the judgement was set a side in March 24
then LRC took me back to court for the CCJ and they won and a CCJ was awarded against me with 28 days to pay I can not afford it
I also made a complaint against LRC and utilita who both claim it was down to the courts so i contacted the courts and they advised me that its not been registered against me but a ccj was given
I am confused as to if and when the ccj will be registered against me
will it be after the 28 days once the judgement is in "default" and if so would it be another court hearing
or if I set up a payment arrangement would It hit my credit file
or could I ask for a very of the order and request a tomlin order to keep it off my credit file
I called them in good faith in jan/feb to be passed from piller to post and put in a position to set a side the judgement they had no contact with the courts or my self
4 days before it was due to be struck out they sent the court some documents
the courts sent me a court hearing if they paid the trile fee
attendEd court and effectively lost
so effectively I had a ccj for 3 years got it set aside with no objection and then a new ccj for a further 6 years so the same debt under a ccj for 9 years
hope this makes sense sorry If not
Comment