Hi,
I am looking for some advice please.
I checked my credit file today and saw a CCJ has been registered against me in October 2017.
My credit file was 100% clean in September 2017, no debt or defaults were showing at all.
I am currently living in temporary accommodation due to a fire at my main residence
I went to see if there was any mail that I missed.
I found a letter from the county court business centre,
sent in September saying that as I have not replied to a claim a judgement has been granted.
The letter quotes CPR 23.8© and that the court will deal with the application to lift the stay without hearing.
The accompanying paper work shows that Marlin claim that proceedings were issued on 26/05/2015 and that I failed to respond.
I have lived at my current address for over 10 years and I have received no correspondence from Marlin regarding a debt or any claim form.
I do not recognise the amount either.
History
The only debt I am aware of is an egg card from 2008 when I got in to some financial difficulty.
The amount from memory was about half of what the CCJ is for (£5k).
I have not had any correspondence from anyone regarding this debt since before 2010 and certainly not made any payments.
As of September 2017 my credit score was perfect with no outstanding amounts or defaults.
I know I can apply to have the CCJ set aside,
the only reasons I have at the moment is that I did not receive the claim form, I
have not heard anything from Marlin and that I do not recognise the debt amount.
The delay between receiving the letter from the court on the 7th of September and now is that the letter came while I was away and in my absence we also had a house fire and lost access to the building.
After seeing the default today I gained access and found the letter.
Do I apply to set aside first or contact Marlin to ask for details of the debt?
I am in a precarious situation because we (wife and children) are currently homeless due to the fire and I am trying to arrange a tenancy.
I don't think I will pass a credit check as it stands.
If I have missed any key information then please let me know.