Hi, ongoing saga with the above 2 named companies. Few questions to ask for clarification if anyone can answer.
1.on a default CCJ how important,legally, is the wording of the judgement? ie "no response to claim " or "claim acknowledged but no defence submitted"
2.whilst I'm aware that utility providers don't have to default an account before court action I've repeatedly been* told my account was defaulted but has passed the six year mark so dropped off.
I asked for the default notice which they could never provide and then their litigation department informed it never has been defaulted.
3.if an account has been transferred to debt collection agency does that account then close or does it still continue to accrue charges?
4. As far as I can work out the last cause of action was (payment to account) was over 6years and court action was taken after that. Where do I stand with that as I've got correspondence to show they haven't followed their own code of conduct, officially recognised guidance from industry regulators or even their own policy with dealing with vunerable customers.
Sorry it's a long post
TIA
1.on a default CCJ how important,legally, is the wording of the judgement? ie "no response to claim " or "claim acknowledged but no defence submitted"
2.whilst I'm aware that utility providers don't have to default an account before court action I've repeatedly been* told my account was defaulted but has passed the six year mark so dropped off.
I asked for the default notice which they could never provide and then their litigation department informed it never has been defaulted.
3.if an account has been transferred to debt collection agency does that account then close or does it still continue to accrue charges?
4. As far as I can work out the last cause of action was (payment to account) was over 6years and court action was taken after that. Where do I stand with that as I've got correspondence to show they haven't followed their own code of conduct, officially recognised guidance from industry regulators or even their own policy with dealing with vunerable customers.
Sorry it's a long post
TIA
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