Good evening! Just popping by to ... uh ... actually I'm a bit worried and tired and need a little help. But reading your forum, you seem like very awesome peoples, so hello to you all!
I could use a little advice. I've recently had a stern letter through from Drydens Fairfax claiming that I owe some money (a couple of thousand) and that a CCJ was taken out against me over 20 months ago - and that I need to pay up or enforcement action will be taken.
I left the country for a few years some years ago (October 2011) and - well, it was a bit of a haphazard move. Some things got left in my absence. This account was one of those things that we just didn't really think about, and it grew big and scary in our absence.
Anyway, long story short I came back to the country in the beginning of 2017, and set about trying to fix everything and get back on track. To this end I registered with ClearScore and Equifax with a mind to rebuild my history and keep a track of what's going on.
So I'm a little surprised to discover that I've got a 20 month old bouncing baby CCJ! They gave a reference number (In the format X0XX00XX) but didn't say which court. But they are now threatening further action.
I was fully CRB/DBS/credit checked at the start of my latest employment here (Jan 2018) and it was clear. None of my credit reports have record of this, and I've performed three searches against my prior UK addresses (the one before I left, the one when I first returned and my current one) on TrustOnline and they're all totally clear on all registers.
So I'm at a bit of a loss; I'm being threatened with action on what I believe would be a statue barred debt (not if it was CCJ'd at the end of 2017, but this doesn't seem to be) within fourteen days, and they say they can send bailiffs over and garnish wages and so on, but I don't appear to have any record at all of this CCJ - and both are very comprehensive regarding my address history.
How should I proceed with this? I'm just trying to get my head back above water and clear things up to rebuild life over here, but can this keep cropping up for the next five years now? I haven't sent any acknowledgement as of yet (and haven't even been in touch with what I believe the account should be since 2011). Should I send a letter saying I don't acknowledge it and move on?
Any tips would be gratefully received; thank you!
Have a good evening, folks.
I could use a little advice. I've recently had a stern letter through from Drydens Fairfax claiming that I owe some money (a couple of thousand) and that a CCJ was taken out against me over 20 months ago - and that I need to pay up or enforcement action will be taken.
I left the country for a few years some years ago (October 2011) and - well, it was a bit of a haphazard move. Some things got left in my absence. This account was one of those things that we just didn't really think about, and it grew big and scary in our absence.
Anyway, long story short I came back to the country in the beginning of 2017, and set about trying to fix everything and get back on track. To this end I registered with ClearScore and Equifax with a mind to rebuild my history and keep a track of what's going on.
So I'm a little surprised to discover that I've got a 20 month old bouncing baby CCJ! They gave a reference number (In the format X0XX00XX) but didn't say which court. But they are now threatening further action.
I was fully CRB/DBS/credit checked at the start of my latest employment here (Jan 2018) and it was clear. None of my credit reports have record of this, and I've performed three searches against my prior UK addresses (the one before I left, the one when I first returned and my current one) on TrustOnline and they're all totally clear on all registers.
So I'm at a bit of a loss; I'm being threatened with action on what I believe would be a statue barred debt (not if it was CCJ'd at the end of 2017, but this doesn't seem to be) within fourteen days, and they say they can send bailiffs over and garnish wages and so on, but I don't appear to have any record at all of this CCJ - and both are very comprehensive regarding my address history.
How should I proceed with this? I'm just trying to get my head back above water and clear things up to rebuild life over here, but can this keep cropping up for the next five years now? I haven't sent any acknowledgement as of yet (and haven't even been in touch with what I believe the account should be since 2011). Should I send a letter saying I don't acknowledge it and move on?
Any tips would be gratefully received; thank you!
Have a good evening, folks.
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