Hi and thank you all for the replies I am really sorry to keep bugging you guys, So now do I submit my defence as requested by the court since my set aside hearing was on Thursday last week 10th ? Or do I file for statute barred ? Also how do I submit the Statute barred ? Is there a template I can use ? Do I submit it instead of the defence ? As I have not received the original claiment form

Thank you for the reply No I don't have any paper work stating it was reported as fraud as this was back in 2008, I have relocated few times since then. What is the statute barred ? Can I include that in my def ce starment If my set aside was not successful can I still apply for statute barred ? I really need help as I do not want a ccj on my file for something I did not do

CLAIMANT LOWELL PORTFOLIO 1 LTD 11 MAY 2017 – DATE OF ISSUE ACCORDING TO THE COURT DID NOT RECEIVE THE CLAIMANT FORM What is the claim for – the reason they have issued the claim? The claim is for outstanding debt relating to a credit from HFC, firstly it was a credit agreement reported as fraud among 2 other accounts under my middle name and not last name. What is the value of the claim? £810.28 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit from HFC When did you enter into the original agreement before or after 2007? the agreement was between 2008-2009 as i am not aware of a particular date all i know is the year. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. debt purchaser Lowells Were you aware the account had been assigned – did you receive a Notice of Assignment? No i was not aware of this Did you receive a Default Notice from the original creditor? No i did not receive any letters of default as this was reported as fraud Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No i have not received any default letters related to the above Why did you cease payments? There was a single direct debit payment and that's when i reported it What was the date of your last payment? 2008 or 2009 Was there a dispute with the original creditor that remains unresolved? reported as fraud to the original creditor Did you communicate any financial problems to the original creditor and make any attempt to enter into a Debt managment ? No as this was not my initial debate with them. I set the judgment aside had a heading on the 10th, they have advised me i have until the 24th to submit a defence, and to make a payment of 120 to the solicitor who is representing the claimant, i have never been on this situation before and i do not want to have a CCJ for the next 6 years for something i have not done or even used. As advised on this site i have put together a CCA request which am going to forward to the claimant tomorrow, can you please assist me with the defence and what are my chances on getting this resolved.

Hi all i need help please with regard to a CCJ i received a claim form from the court with regard to some debt which was not even mine but it was report as fraud in 2008 for something credit by HFC accord to the lowel profolio. I have no idea what they want from me, even my name last name on that letter is one of my middle names, i have called them and advised them of this matter. i did not send in the claim form back to the court or rather missed that date, so now i filed for the judgment to be set aside in, hearing was today on the 11/08/2017 but the judge was only focus if the name on the letters is my name which is my first name and middle name but not my last name, the judge was completely on their side and not listening to what i have to say, that this was not my contract to pay and it was a fraudulent contract. now they have given me sometimes to submit a defense for the 27th.. my main focus is to get the CCJ removed one way or another even if i have to pay it to get it off my file, i am aware there is a 28 days,, What are my chances on getting the ccj removed or set aside and what is required of me on the defense sorry but this is my first time to get something like this or to be involved in one.