• Welcome to the LegalBeagles Consumer and Legal Forum.
    Please Register to get the most out of the forum. Registration is free and only needs a username and email address.
    REGISTER
    Please do not post your full name, reference numbers or any identifiable details on the forum.

Bank-Smart CCJ

Collapse
Loading...
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Bank-Smart CCJ

    Hello,

    My mother had received some claim forms from Bank-smart over the last couple of months and now has received a letter that she has had a CCJ placed against her, I just ran her credit check and it's there, as far as I am aware she never did go through with her claim from them in the first place.
    Just received a letter from them today that says "RE: County Court Judgment Overdue - Enforment Action in 14 Days.

    All help will be very much appreciated, thank you

    Michael
    Tags: None

  • #2
    Your post is a bit unclear as to what has happened. It sounds like she might have had a formal court claim, ignored it and got a county court judgment by default.

    It would be helpful if you could post up the claim forms and the letter she just received, redacting any personal information.

    How much is the judgment for?

    Comment


    • #3
      Apologies,

      But you have it exactly correct.

      Total is 508.84

      When the last court summons came in a few weeks ago I did some googling and saw this firm in the FCA website and that they had been given "wind down requirements" and should have ceased claims after 13 April 2023 and the court that they had placed the claim in with (Civil National Business Centre) had a message on the gov website that it no longer existed and the phone number on the letter had been disconnected that was on the 15/09/23, assumed this was a clone company trying to pull a fast one.

      To be honest she is in the fortunate position to be able to pay it now but it just seemed like some dodgy scare tactic to make a quick buck and take advantage of her, from what she said she never went through with the claim but don't think that matters.
      Last edited by Mcasal; 19th September 2023, 21:54:PM. Reason: attachments quite small

      Comment


      • #4
        bank-smart-claim-default-edit.jpgbank-smart-edit.jpgbank-smart-claim-edit.jpg
        Attached Files

        Comment


        • #5
          Thanks.

          Without knowing the exact history of your mum's involvement with Bank Smart it's difficult to advise that she should challenge it.

          Even if she didn't go through with a (PPI?) claim and didn't receive compensation she's still got an uphill battle just to get the judgment set aside as she apparently won't have any reasonable excuse not to have responded to the claim and defend it. An application for set aside will cost 255 which she probably won't get back and even if she's successful she'll still need to defend the claim which could be drawn out, stressful and risky.

          My advice? Just pay it within 30 days and follow the notes on the judgment to have it removed from her credit file and she can get on with her life.

          Comment


          • #6
            That is fair enough, don't know what resolution I was really expecting since it has been left to fester like that.
            Thank you for the advice will follow that and put this behind us.

            Comment

            View our Terms and Conditions

            LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

            If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.


            If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.
            Working...
            X