Attempting a CCJ

[UK-Guy]

Re: Attempting a CCJ

Sorry to be a pain but is the above correct for me?

Thanks

[Kati]

Re: Attempting a CCJ

Hi both

So just to reiterate and confirm Im doing it right I need to....

1. Acknowledge claim online and defend the whole claim?

2. Send CCA request to the claimant

3. CPR 31.14 request to BW for copy of the agreement, copy of notice of assignment and also invoices allegedly raised?

Thanks

Sorry to be a pain but is the above correct for me?

Thanks

Yep :nod:

[UK-Guy]

Re: Attempting a CCJ

Thank Kati

[UK-Guy]

Re: Attempting a CCJ

Hi both

Had a response today. They sent the credit agreement along with the letters I'll attach below.

[UK-Guy]

Re: Attempting a CCJ

Covering letter

[UK-Guy]

Re: Attempting a CCJ

Letters regarding taking over of the debt

- - - Updated - - -

And finally an "invoice" - which was a letter i wrote to them at the start

- - - Updated - - -

Thats the letters I have received this morning .....

[Smasher]

Re: Attempting a CCJ

I don't know how much difference it makes, but had you signed and returned the NOA (letter 4)?

[UK-Guy]

Re: Attempting a CCJ

Hi Smasher

No I didnt sign or return that document

[UK-Guy]

Re: Attempting a CCJ

Hi guys.... any advice on the letters received?

[UK-Guy]

Re: Attempting a CCJ

Is anyone available to check the letters received by any chance? Thank you in advance

[Amethyst]

Re: Attempting a CCJ

Had a response today. They sent the credit agreement along with the letters I'll attach below.

I can't see the agreement in your attachments ( I'm probably being thick/blind etc but can only see assignment letters and notice that BW are going to act for PRAC )

[UK-Guy]

Re: Attempting a CCJ

Sorry Amethyst my mistake it wasnt uploaded. Have done that now though

Thanks again in advance

[UK-Guy]

Re: Attempting a CCJ

Are you able to view the CCA your end? Looks ok my end - Thanks

[Amethyst]

Re: Attempting a CCJ

Yep that opens fine. It does look complete and to have all the right bits in it. Do the figures on there add up right ?

I'm just going to go back through your thread see what you need to be doing now they appear to have complied with the CCA request.

[Amethyst]

Re: Attempting a CCJ

Okay

I then agreed to pay the amount of £750 in F&F which was the amount they wanted last year minus my payments already made during the year.

So options wise, as you don't have a specific defence, only the complaint procedure issue, is to go back to them with that offer ( probably slightly more) over however many months and ask it to be set up under a Tomlin Order - this would mean the claim remains on hold in court while you make the payments - if you default they can then get judgment ( so a form of security for you).

I can't see you had another defence with the original debt or anything, simply change in circs meant you couldn't keep up payments and you've been paying 'token' amounts for a period which means it won't go statute barred. However it is nearly off of your credit file, so a CCJ would be a right pain in the bum for another 6 years.

That is JUST my thoughts though okay xxxx