Thank you, but will that not count against me if I contact them now as that I have communicated with them?

That name sounds familiar but that must have been about 8 years ago I think. I take it I can't do anything once a ccj has been registered?

Hi, I have been trying to get myself back on track with my finances for a while, recentlyi decided to check experian to see how my credit rating was doing. I was shocked to find I have had a CCJ registered against me in April this year. After numerous emails to the Northampton court I managed to get a reply as to who it was from, as I did not know anything about it. I have found out it was Bryan Carter solicitors acting for compucredit for a debt for £419 from 2009. I have not heard of compucredit and cannot think what it would be for. It is also registered to an address that I have not lived at for over a year. Is the anything I can do about this? any advice would be much appreciated. Thank you

Thanks again, your helpful advice is much appreciated )

Thanks Brig, So I just need to send a letter stating what you have said in your message, is that correct?

All had been quiet for a while with these until now, I sent the letter that you suggested sending and I got a response back saying that they will send out any information without a signed letter from me. I had ignored this for now as I know that I should not sign anything. I have however filed my defence for the debt being S/B with the court only to receive a letter from restons yesterday stating that apparently according to them a payment was made on 13th July 2011 for £16.47!! This is complete rubbish, I know absolutely nothing of this, and I have trawled through my bank statements and nothing shows. The letter then says " In view of the above we do not believe you have a valid defence to these proceedings and invite you to withdraw your defence in order to avoid further legal action" Is this a scare tactic from them?? I am not sure where to go with this now

Thankyou so much, my mind is put a bit more at ease.

yes I am absolutely positive that I have not acknowledged anything from these for at least 6 years, your help will be most appreciated....thankyou

Hi Brigadier, thanks for your response with this. The associates name rings a bell with regards to a car loan, but that was even further back than the cash loan I originally thought it might have been....that was about 10 years ago or more and it most certainly wasn't that amount. My past 3 cars have been with BCT and paid in full. Ok I have acknowledged the service of claim and stated I intend to defend it, and today have also sent off via recorded delivery a CPR request, is this the correct thing to do?? Nothing was signed it was all printed. However I only have 14 days to complete my defence don't I ? This is what I am worried about, do I have to write it in my own words or do I have to put it all in with correct terms etc?

Hi, last week I received an N1 claim form from Arrow Global for a debt with Citi Financial. I have not taken out any credit apart from a car HP since my youngest was born 8 years ago. I vaguely remember getting a loan with my husband but that was around 9 years ago and it was not for the amount they have stated, or the date that they have out as 2006. I am not sure how to deal with the defence of it. I have completed the acknowledgment of service online and now have to file a defence for myself. I believe that this is statute barred due to the fact I have not heard anything with regards to this loan in years until this court letter arrived. It has my husband on the form at an address where we haven't lived for the past 6 years, and they have added a default to my credit file last week too. I check my file every month to try and get my credit back up to a degree of respectability and up until last week there was nothing showing with regards to this debt, when I updated it this suddenly showed up. Can anyone give me some advice on what I should put in my defence as I really don't have a clue how to word it properly.

Hi, can anyone give me any ideas of what can be done about this problem. My stepdad had his van taken away last year by a bailiff for a debt he owed. He paid the bailiff the amount asked without any questions and was taken to collect his vehicle. In the panic and confusion, stupidly he did not get a receipt for what he paid him. On friday last week, the same bailiff company (High Court Enforcement agency) came while he was out and again loaded his van onto a tow truck. They have left paperwork stating that he has 5 days to pay the debt or his van will be sold. The amount owed now is completely different to the last time, it is less than before, but the debt was paid in full on the last visit. He contacted the company he owed the money to originally and they said that the debt had been cleared, so what is this bailiff company doing, and what can he do now? Does anyone have any advice on what road to take? Any help would be most appreciated.