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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 The job offer was revoked when they checked my Credit file (this is the only reason I know about the*CCJ) should I be asking for compensation?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.*
*
