hi there legalbeagles... ccj probpems

[craig1573]

Hi there everyone hoping for some help...


Stressed newbie here....

I have recieved a letter from debt recovery company called TBI, stating I now owe them £2060.03 for a judgement debt from oct 2000,*I phoned TBI and requested info they had, they sent me a copy of original signed credit agrement with imperial finance (unsecured loan of £1500) and a copy of the judgement from the courts..

I then recieved a letter from David Jones solicitors stating they would now have to do a enforcement of the judgement debt by applying for a charging order against my interest in my house...

I have not had any correspondence from anyone about this debt and was not aware of the ccj until this month.Could someone please help on what rights I have to stop them doing this and what rights they actually have?*I can not afford to pay the money and I am very worried...

Thankyou in advance

[labman]

Re: hi there legalbeagles... ccj probpems

You can apply to have the judgment set aside using this form:

http://hmctsformfinder.justice.gov.u...s/n244-eng.pdf

The court are not under any obligation to set aside a judgment because you received no court papers, if they can prove the papers were sent to your last known address.

Have a read of the following:

http://www.bdl.org.uk/images/12_EW_N...ty%20court.pdf

[ploddertom]

Re: hi there legalbeagles... ccj probpems

The CCJ is so old it will have dropped off your Credit File. They would have to have a very good excuse to enforce this now and I imagine are just doing this to frighten you.

[labman]

Re: hi there legalbeagles... ccj probpems

The CCJ is so old it will have dropped off your Credit File. They would have to have a very good excuse to enforce this now and I imagine are just doing this to frighten you.

Yes, I had not fully taken notice of the date. A CO would be highly unlikely anyway - it is the lower life DCA's that try to go straight for Charging Orders to secure a CCJ.

[craig1573]

Re: hi there legalbeagles... ccj probpems

Thankyou all for your quick replies....

Just one last question...

What should I do about the CCJ and the DCA?

See if I can set aside due to time? And should i Ignore the company or send them a letter of some kind if so what should I say?

Thankyou again in advance