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Slightly different situation here as in,On the 21st of October I decided too check my credit rating with Noddle,I was surprised to see that a CCJ had been issued against me on the 17th of October 2016.I have been away from my home address since early August due to ill health and missed all correspondence that has since been forwarded on to me(received today)The debt I believe is statue barred in that the last payment I made on the account was April 2010 through a debt management plan I had set up.At the time I had asked for Interest to be frozen on my debts and was refused so I told the debt management company I would not be making any further payments.Since this date I have lived in Australia for four years,I have been in the middle East working and the last year I have been Ill so have been unable to work.I fully comply with section 5 of the limitation act of 1980.The debt was for 8150 pounds but now because of interest and court charges they are claiming 12955 pounds!
Today I sent a form N244 to hopefully get this set aside and a new hearing where I at least can defend myself,Hoist are claiming that my default date was December 2010,Im not sure how this has got on to my credit score because I used to check with Experian and Im sure that when I checked this in the past the default was July 2010.What my noddle credit score does show is between April and September its blank then in October a red circle with 5 and in November a red circle with 6 these mean missed payments then in December it shows Default.I know default is not the same as cause of action which I believe is what starts the clock.
Any advice would be appreciated plus should I be doing anything else?
Today I sent a form N244 to hopefully get this set aside and a new hearing where I at least can defend myself,Hoist are claiming that my default date was December 2010,Im not sure how this has got on to my credit score because I used to check with Experian and Im sure that when I checked this in the past the default was July 2010.What my noddle credit score does show is between April and September its blank then in October a red circle with 5 and in November a red circle with 6 these mean missed payments then in December it shows Default.I know default is not the same as cause of action which I believe is what starts the clock.
Any advice would be appreciated plus should I be doing anything else?
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