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OLD CCJ

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  • #1

    OLD CCJ

    Hi

    I recently discovered I have a CCJ on my file. I managed to find out through Northampton CC its for Capital one via Arrow Global. Its for £1151.
    It was registered in 05/2014.

    I have never received any paperwork from court, Capital one or even Arrow Global.
    The Capital one default itself dose not appear on my credit file.
    Ive always lived at the same address.

    Im not being chased by anyone.

    Dose anyone know whats going on?
    Is it worth me going to court and paying for the n244 service to set the judgement aside?

    I have copied and pasted below what the court sent me when I queried it.

    PARTICULARS OF CLAIM

    1. THE CLAIMANT'S CLAIM IS FOR THE SUM OF 999.00 BEING MONIES DUE FROM THE DEFENDANT TO THE CLAIMANT UNDER A REGULATED AGREEMENT BETWEEN THE DEFENDANT AND CAPITAL ONE (EUROPE) PLC (NO. 4775xxxxxxxxxx) AND ASSIGNED TO THE CLAIMANT ON 11/02/2011, NOTICE OF WHICH HAS BEEN PROVIDED TO THE DEFENDANT. 2. THE DEFENDANT HAS FAILED TO MAKE PAYMENT IN ACCORDANCE WITH THE TERMS OF THE AGREEMENT AND A DEFAULT NOTICE HAS BEEN SERVED PURSUANT TO THE CONSUMER CREDIT ACT 1974. 3. THE CLAIMANT CLAIMS THE SUM OF 999.00. 4. C HAS COMPLIED, AS FAR AS IS NECESSARY, WITH THE PRE-ACTION CONDUCT PRACTICE DIRECTION. NUMBER


    CLAIMANT

    ARROW GLOBAL GUERNSEY LIMITED LA PLAIDERIE CHAMBERS

    CLAIMANT SOLICITORS

    SHOOSMITHS LLP
    THE LAKES
    NORTHAMPTON

    NN4 7SH

    03700 863000
    Tags: None
  • #2
    Re: OLD CCJ

    Hi buttm & welcome to LB

    Whose name & address (defendant) is on the claim form?
    CAVEAT LECTOR

    This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

    Comment

    • #3
      Re: OLD CCJ

      Originally posted by buttm View Post
      Hi

      I recently discovered I have a CCJ on my file. I managed to find out through Northampton CC its for Capital one via Arrow Global. Its for £1151.
      It was registered in 05/2014.

      I have never received any paperwork from court, Capital one or even Arrow Global.
      The Capital one default itself dose not appear on my credit file.
      Ive always lived at the same address.

      Im not being chased by anyone.

      Dose anyone know whats going on?
      Is it worth me going to court and paying for the n244 service to set the judgement aside?

      I have copied and pasted below what the court sent me when I queried it.

      PARTICULARS OF CLAIM

      1. THE CLAIMANT'S CLAIM IS FOR THE SUM OF 999.00 BEING MONIES DUE FROM THE DEFENDANT TO THE CLAIMANT UNDER A REGULATED AGREEMENT BETWEEN THE DEFENDANT AND CAPITAL ONE (EUROPE) PLC (NO. 4775xxxxxxxxxx) AND ASSIGNED TO THE CLAIMANT ON 11/02/2011, NOTICE OF WHICH HAS BEEN PROVIDED TO THE DEFENDANT. 2. THE DEFENDANT HAS FAILED TO MAKE PAYMENT IN ACCORDANCE WITH THE TERMS OF THE AGREEMENT AND A DEFAULT NOTICE HAS BEEN SERVED PURSUANT TO THE CONSUMER CREDIT ACT 1974. 3. THE CLAIMANT CLAIMS THE SUM OF 999.00. 4. C HAS COMPLIED, AS FAR AS IS NECESSARY, WITH THE PRE-ACTION CONDUCT PRACTICE DIRECTION. NUMBER


      CLAIMANT

      ARROW GLOBAL GUERNSEY LIMITED LA PLAIDERIE CHAMBERS

      CLAIMANT SOLICITORS

      SHOOSMITHS LLP
      THE LAKES
      NORTHAMPTON

      NN4 7SH

      03700 863000
      Hi welcome to LB,

      This would appear to be a judgement by default.

      I presume you did have a Capone account?

      nem

      When was the last payment or written acknowledgment of the debt?
      • 1 thank

      Comment

      • #4
        Re: OLD CCJ

        Hi Charitynjw. Thanks

        The name and address is mine.

        - - - Updated - - -

        Originally posted by nemesis45 View Post
        Hi welcome to LB,

        This would appear to be a judgement by default.

        I presume you did have a Capone account?

        nem

        When was the last payment or written acknowledgment of the debt?
        Hi Nemesis45, thanks

        I don't actually having recall having a capitalone account.
        Look at a credit report from 2008 I can see capital one listed as one of my creditors.
        I cannot say for sure but I have not received any letters or spoken to capital one since 2009 so I don't think I would have acknowledged anything since then. I don't even know how the default came about in the first place

        Comment

        • #5
          Re: OLD CCJ

          Originally posted by buttm View Post
          Hi Charitynjw. Thanks

          The name and address is mine.

          - - - Updated - - -



          Hi Nemesis45, thanks

          I don't actually having recall having a capitalone account.
          Look at a credit report from 2008 I can see capital one listed as one of my creditors.
          I cannot say for sure but I have not received any letters or spoken to capital one since 2009 so I don't think I would have acknowledged anything since then. I don't even know how the default came about in the first place
          So, the claimant is stating (actually & by implication) that they/Cap 1 have sent you at different intervals
          Statements of account
          Default notice
          Notice of Assignment
          & possibly Debt Collection Agency letters

          The court has sent a court claim pack.

          But you haven't received any of these?
          CAVEAT LECTOR

          This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

          You and I do not see things as they are. We see things as we are.
          Cohen, Herb

          There is danger when a man throws his tongue into high gear before he
          gets his brain a-going.
          Phelps, C. C.

          "They couldn't hit an elephant at this distance!"
          The last words of John Sedgwick
          • 1 thank

          Comment

          • #6
            Re: OLD CCJ

            We need to know when the claim was issued exactly best source of information is the Registry Trust which records all judgement ( trust online) there is a small fee for each address searched.

            nem
            • 1 thank

            Comment

            • #7
              Re: OLD CCJ

              Originally posted by charitynjw View Post
              So, the claimant is stating (actually & by implication) that they/Cap 1 have sent you at different intervals
              Statements of account
              Default notice
              Notice of Assignment
              & possibly Debt Collection Agency letters

              The court has sent a court claim pack.

              But you haven't received any of these?
              Nope I didn't receive any of the notices you have mentioned. I don't get any correspondence at in relation to this matter

              Comment

              • #8
                Re: OLD CCJ

                Originally posted by nemesis45 View Post
                We need to know when the claim was issued exactly best source of information is the Registry Trust which records all judgement ( trust online) there is a small fee for each address searched.

                nem

                Nem the information on the registry trust is the same as the info on all my 3 credit files.
                I have copied and pasted the data from Registry trust

                Name DoB Court Case No. Date Amount Status
                MR CORRECT NAME COUNTY COURT BUSINESS CENTRE A6XXXXXX 27/05/14 £1,151 Unsatisfied Judgment

                Comment

                • #9
                  Re: OLD CCJ

                  Originally posted by buttm View Post
                  Nem the information on the registry trust is the same as the info on all my 3 credit files.
                  I have copied and pasted the data from Registry trust

                  Name DoB Court Case No. Date Amount Status
                  MR CORRECT NAME COUNTY COURT BUSINESS CENTRE A6XXXXXX 27/05/14 £1,151 Unsatisfied Judgment
                  Emm just the date of judgement, was trying to see if we could see if it was SB when the claim was issued.

                  nem

                  - - - Updated - - -

                  Originally posted by buttm View Post
                  Nem the information on the registry trust is the same as the info on all my 3 credit files.
                  I have copied and pasted the data from Registry trust

                  Name DoB Court Case No. Date Amount Status
                  MR CORRECT NAME COUNTY COURT BUSINESS CENTRE A6XXXXXX 27/05/14 £1,151 Unsatisfied Judgment
                  Emm just the date of judgement, was trying to see if we could see if it was SB when the claim was issued.

                  nem

                  Comment

                  • #10
                    Re: OLD CCJ

                    Hi

                    is there anything I can do to get this CCJ removed?

                    Nemesis are you able to see from the registry trust info I pasted whether the debt was statue barred when the claim was issued?

                    regards

                    Comment

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