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Hi everyone,
I'm new here but desperate for some advice please, I'll try to keep it brief and to the point!
Me and my partner are in the process of trying to buy our first home. We checked our credit reports and were shocked to find a CCJ had been filed in his name in Nov 2011 by T-Mobile which we had no idea about. Rather naively, he had never checked his file before Last week.
We have looked into it and it was a payment for a final bill with them in September 2014. We moved house in July 2014 and never received a notice. We called T-Mobile who sold the debt on to Lowells and they had very little information to give us, saying the debt had been sold on - the CCJ was filed by T-Mobile. His phone bill was paid by direct debit to T-Mobile in July and August, no problem. The guy at T-Mobile said that the final bill is normally taken out of the same account by direct debit after the final bill is received. There were no failed direct debits listed after August 2014 and his bank details haven't changed, by all accounts it doesn't look like they tried to take the money. He didn't advise T-Mobile of his new address as there were lots of things going on at the time but there were no phone calls (they knew his number was staying the same as he got the PAC code from them) and they had his email address on file. I don't believe there was reasonable attempts to contact him aside from letter.
Tomorrow he will attempt to call Lowells for all the documents they have attaining to his case. I don't hold out much hope though as previously when they called they said they knew nothing about his case aside from him owing £70!! T-Mobile have nothing regarding this now, only that it's a closed account.
When Lowells contacted him we promptly paid as didn't want them to take us to court - little did we know then that he already had a Ccj on file for this.
its a complete mess and I'm hoping you can give me some advice. What do you think our chances are of applying to have this judgement set aside?
thankyou (and sorry for rambling on!)
I'm new here but desperate for some advice please, I'll try to keep it brief and to the point!
Me and my partner are in the process of trying to buy our first home. We checked our credit reports and were shocked to find a CCJ had been filed in his name in Nov 2011 by T-Mobile which we had no idea about. Rather naively, he had never checked his file before Last week.
We have looked into it and it was a payment for a final bill with them in September 2014. We moved house in July 2014 and never received a notice. We called T-Mobile who sold the debt on to Lowells and they had very little information to give us, saying the debt had been sold on - the CCJ was filed by T-Mobile. His phone bill was paid by direct debit to T-Mobile in July and August, no problem. The guy at T-Mobile said that the final bill is normally taken out of the same account by direct debit after the final bill is received. There were no failed direct debits listed after August 2014 and his bank details haven't changed, by all accounts it doesn't look like they tried to take the money. He didn't advise T-Mobile of his new address as there were lots of things going on at the time but there were no phone calls (they knew his number was staying the same as he got the PAC code from them) and they had his email address on file. I don't believe there was reasonable attempts to contact him aside from letter.
Tomorrow he will attempt to call Lowells for all the documents they have attaining to his case. I don't hold out much hope though as previously when they called they said they knew nothing about his case aside from him owing £70!! T-Mobile have nothing regarding this now, only that it's a closed account.
When Lowells contacted him we promptly paid as didn't want them to take us to court - little did we know then that he already had a Ccj on file for this.
its a complete mess and I'm hoping you can give me some advice. What do you think our chances are of applying to have this judgement set aside?
thankyou (and sorry for rambling on!)
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