Forgive my Sherlock Holmes type topic header… I am in desperate need of some advice from you good people in this forum, as I have now hit a metaphorical brick wall. Some years ago I had an EGG credit card. The card had been used and in operation for about five and half years, during this time there had been no missed repayments. Then during mid 2009, the minimum repayments were inexplicably increased by around 50%. At the time it seemed that they were almost trying to engineer a default. I am self-employed and business wasn’t doing so well, so in May 2009 I wrote to EGG and explained this and made reduced repayment proposals to service the debt. I had no responses. After many unsuccessful attempts to contact them and elicit a response, I defaulted on the debt. In December of 2009 I received a letter from Fredrickson claiming that I had failed to make a repayment proposal (although I had done so on many occasions, plus sent them all by recorded post). Then, all went quiet for a long period of time… The first I knew of any sort of problem was when I received a CCJ "Judgment By Default" through the post in 2011. I was totally unaware that there had been a court summons issued to attend Bradford County Court. Not knowing about this, coupled with the fact that Bradford is nowhere near where I live, I missed it all. I then took it to my local court whereby Bryan Carter Solicitors became involved (representing Egg). The judge made the Interim Charging Order final and accepted my proposed terms of payment. Curiously, Bryan Carter Solicitors did not show up at the court, which did annoy the judge, but the rule of losing your case by non-attendance didn’t seem to apply to them – which in itself is bizarre and unfair. The upshot of all this is that I made arrangements to make repayments every calendar month to Bryan Carter Solicitors and this remained in place. I continued to pay this for the next two and a half years. After this time, my self-employed business hit further hard times and I had to cancel the repayments. This was a decision I did not take lightly, but I simply had to stop due to hardship. I informed Bryan Carter, but no response was received. Life carried on and I was (and still am) rebuilding my self-employed business. Recently, I decided that I wanted to resume the repayment plan and reinstate the standing order. On August 10 of this year, I sent a recorded “signed for” letter to Bryan Carter Solicitors requesting them for a statement of the account and asking if their standing order details are still valid. I even asked if they were still overseeing the Egg debt. I heard nothing back from my letter, despite knowing that it had been signed for on 14 August. I then came across articles on the Internet stating that Bryan Carter Solicitors had been dissolved. I am now very concerned for many reasons: During the time of I have been making repayments to Bryan Carter, I have never received a statement (or acknowledgement of monies received) What has been happening to my money? Who has got it? I am still confused how an unsecured credit card debt can find its way to morphing into a charge against my property, but it has happened. Having said that – how do I go about repaying this debt back (and to whom?) or getting rid of the charge against my property? Whom do I have to contact to get things moving again? Somehow, I feel that the finance industry has pulled a few stokes here and reverted to type. I just do not know which way to turn. The original credit card debt was around £8,000. It somehow reached over £9,000 during the court debacle – God knows what has being going on with this debt amount behind the scenes during this hiatus. This is why I need… HELP!!! CITIZEN XYZ

Hi, I am looking for some concrete advice please on where I stand with a debt that's hanging over me. The debt is for around £9k and was originally a HSBC credit card. I received a CCJ toward the end of 2013, along with a Charging Order against my property, which I unfortunately didn't contest. As I am self-employed and have children, there has been no enforcement action that the courts would take against me, so I have never paid anything toward the debt, or acknowledge it. HSBC gave up earlier this year and have sold the debt to Cabot. I have read a number of threads on this forum and others which contain a lot of conflicting information. So I guess my questions are: 1. Can I get the Charging Order removed on the basis HSBC no longer have an interested in the debt, or have Cabot effectively taken ownership of both? 2. Am I right in thinking Cabot have no enforcement options whatsoever unless they get the CCJ and CO re-assigned officially in the court? 3. Will Cabot likely affect a low F&F settlement to see the back of this debt, or do they usually hang on for the long run? 4. I believe there are probably at least 1-2k worth of charges and interest added to this credit card, can I pursue HSBC for them, and if they are awarded, can HSBC withhold it against the original debt? Thanks in advance. JD

Hi apologies for the long winded post. Please can someone advise on a debt issue i have with Cabot financial. They purchased the debt from Aqua and sent various letters relating to the debt. Eventually it was passed to Mortimer clarke solicitors advising pending ccj request. As they didnt have a web portal to complete an income and expenditure form i did it on cabot's website instead after about a week i received an email saying contact Mortimer clarke. I neglected to do this and was issued with county court papers on 06/07, i contacted both parties to make a payment arrangement but was declined and it was as if all they wanted to do was get the ccj. After pleading my case with no willingness to negotiate on their part i decided fight the case and request a cca which i have done. They have failed to provide a cca i have received a letter dates 30/08 from court saying they have 30 days to notify how to proceed then case will be stayed. Prior to this i have been in touch with debtline who said i could request a tomlin order which is at the creditors discretion i contacted cabot and mortimer clarke with the request and needless to say they were unwilling to agree and just wanted the ccj. At the time i just thought it was a mutual agreement between myself and cabot but it turns out it is an official court order which i suppose is better than a ccj. I have received a letter the other day 06/09 from Mortimer clarke headed "without prejudice save as to costs" it says that cabot are willing to agree to a tomlin order and i have 14 days. They have attached an income and expendature form to complete along with an offer. The debt collection teams for both companies were so unhelpful and unwilling to listen to the fact i had initially completed the online form for cabot or the reason i was in debt in the first place. The debt is from a bad point in our lives and i am not unwilling to pay it back but these companies buy the debt for a fraction of the price and go straight for a ccj, absolutely despicable. The defiant side of says stand your ground and keep fighting on the grounds it is currently unenforceable but my head is saying complete the form. If i agree to a tomlin order and there are issues further down the line the lack of a cca will be irrelevant ill just end up with a ccj and this will have been for nothing. Just wanted to know if anyone had been in a similar situation or can advise what my options are. Kind regards Ian

my credit score had plummeted. I used Clear Score to do a bit more digging recently and found a CCJ for £316 in April of this year. I am now assuming this is some sort of PCN for the same car, after I had sold it. This is very stressful for me as I already suffer with anxiety, currently have a 4 month old baby and have a mortgage. I know I cannot defend myself against the CCJ by applying for a set aside as they will just argue that the whole situation is my fault. My question is, has anyone ever been able to negotiate with the original creditor? I'm wondering if it's possible that I pay the CCJ in full but that they might have the power to remove it from the Public Register. I'd even pay more if it meant that it would go away. Do they even have the power to do this? I feel I have suffered enough for a very silly mistake. Yes, I know I have made a mistake. Yes, I know I've been ignorant. I'm already very upset and beating myself up about it as it is. So, I please ask that there are no comments making me even more aware of this.

Today my other half received a rather strange letter titled Notice of Transfer Of Proceedings from Cabot Financial UK Ltd that states this claim has been transferred to the county court at _____________ for enforcement. This was done apparently because she did not reply to N56 (form for replying to attachment of earnings application) within the specified time. She did not receive this form. The receiving court will arrange for the bailiff to serve N61(order for statement of means) The only CCJ she had was over 10 years ago and is now definitely statute barred. Is there anything I can do to prevent any further action on this? Surely Cabot are taking the mickey??

On 19th October 2017, my wife (only legally) parked at Aintree Hospital car park. According to the solicitors who have chased me for money a breach of contract notice was placed on the windscreen of the car. They state that this provided 14 days to pay or appeal. They have told me that because they had no registered vehicle details that they requested this from the DVLA. The solicitors have refused to provide the date that they sent this letter to the DVLA or provide a copy of the letter or DVLA response. On 28th November the solicitors state that a pre-action letter was sent and provided 30 days to appeal or pay £60. They state that a further pre-action letter was sent on 19th January 2018. They then say that on 2nd March 2018 Court proceedings were issued. A claim form was said to have been posted on 6th March giving until 22nd March for a defence to be filed. A defence was not filed by me nor were any court directions complied with (e.g. directions questionnaire). Consequently a CCJ was issued dated 24th May. The only letter I had handed to me by my wife was the CCJ letter (24th May letter). I was not driving the vehicle on the day as I was working. I have made this clear to the solicitors but they say because no letters were returned that they are assured I received them. To make this more complex, I do not reside at the address were the letters were sent and I have not resided there for a period of time before the alleged parking infringement took place. The reason for this is that my marriage had broken down. I have made it clear to the solicitors chasing the money that I am not doubting that an infringement took place, nor am I doubting that the letters were sent out, what I have stated is that I was not driving the vehicle and that I believe the communications that were sent out are likely to have been withheld from me by my wife. To add further complexity the solicitors have stated that a defence was made. They have sent a copy of the defence to me which is not signed or dated. The defence has been put together as if it was written by me and states "it was not me (e.g my name driving) it was my wife (wife's name) driving. The defence was not written by me and I strongly believe it was my wife who wrote this. I have asked the solicitors to confirm the date the defence was received but they have refused to provide this information. My wife has admitted she was driving on the day and stated that she spoke to the parking attendant. Therefore the company have been aware from the outset that it was a female who was driving and not me (a male). I have raised this point with the solicitors but that have not provided a response to it. I would be grateful for any guidance that can be provided. For many different reasons I'm slowly getting my life back on track. I do not believe I should have to pay this fine but from reading around it appears I would need to pay to even have the CCJ set aside. Many thanks T

Hi all, I'm hoping someone can please advise as to whether my logic is correct. Essentially I took out a Northern rock together mortgage over 10 years ago just before the recession, this included an unsecured loan of £30k. Shortly after I was out of work for a year and built up mortgage arrears on both the secured element and unsecured element of the loan. Despite 5 attempts of NRAM trying to repossess I managed to fight them off and eventually paid of the secured mortgage arrears however because I was prioritising the secured payments the unsecured loan arrears were not being paid and eventually NRAM applied for a CCJ. However at the time they did not default the unsecured loan account so it is still showing on my credit file with just many late payments. The CCJ dropped of my account about a year ago and during the 6 years prior NRAM didn't take and forceful action to recover the debt. My understanding is that prior to making an application for a CCJ to the courts they should have set my unsecured account to default and hence it should have also dropped of my account when the CCJ did and the unsecured debt should In theory now be written off. I did contact Experian and raised this issue, they replied stating that they contacted NRAM however NRAM stated they would not be making any amendments regarding this unsecured account on my credit file. I would really appreciate any advise on this matter and if my logic is incorrect. Many thanks in advance!!!

Hi All Around 2010/11 I was in heaps of debt, various cc, loans etc, totalling c £30k. I took some great advice from this site, worked hard, and managed to settle everything. Finally debt free by summer of 2016, credit score still not great, but heading in the right direction. And now I receive a letter from Mortimer Clarke (Cabot): ‘As you are aware a County Court Judgement has been entered against you under Claim Number QWERTY123 and we ask you to pay the outstanding sum of £2244 direct to this office within 14 days.’ The letter encloses an income and expenditure form with a view to arranging a monthly payment, but goes on to say: ‘…our client may be willing to accept a reduced amount for a lump sum payment to settle the debt’. First I’ve heard of it, and I’m gutted, thought all this nonsense was behind me. I’ve established that the CCJ was issued at Northampton and has subsequently been transferred to my local court. All paperwork was sent to an old address, which is why I knew nothing about it. All of this happened just over 3 years ago, and I’m just finding out about it now. And strangely, it doesn’t appear on my credit file? As I thought I was debt free, my circumstances allowed me to become a student, so I’m currently studying full-time, with negligible income (averaging about £200 pm). Seems to me I have 2 choices (unless any of you can suggest a third way?) 1. Offer about £20 pm, which they are unlikely to accept, as it would run for 9 years. 2. Offer a lump sum, I think I could scrape together £600 - £700, but again this probably wouldn’t be enough. All I know about the CCJ is what the lady at Northampton told me: That it has been transferred to my local court (don’t know when), That the payment terms were ‘Forthwith’ and, That the claim said it was in respect of a CC agreement ‘entered into on or about 19/05/2004’. (Is it suspicious that the date of the agreement isn’t precise? Suggests to me that they don’t have a copy of it). In the scheme of things, the debt isn’t that big (given my situation 7-8 years ago), but this is hanging heavier than those bigger debts ever did, because my circumstances are different now, and I have no real income to work with. I really don’t know which way to turn with this. Would be so grateful for your thoughts. Cheers Scarboro

I am trying to find information on a CCJ for my friend. She had a ccj in 2012 and paid it for a long time, the company DLC who then went out of business. She didnt hear anyting for 18 months and didnt pay the ccj. She has just had a letter from Mortimer Clarke, Solicitors who are saying if she doesnt pay it she will have a charge placed on her house. She has checked her credit file and the ccj is no longer on the file, should she contact the solicitor to find out if they are reinstating the ccj or just ignore them?

I was checking my Noddle file and found a CCJ against me at my old address. It says it is still active but it is over 5 years old. I have no idea what it is for as I was living at the address at the time and already paying another CCJ off . I would have responded to this. My question is should I let sleeping dogs lie until the end of May next year and let it drop off after 6 years or should I query who it is from with the courts? In doing so would I reset the clock with whoever brought it against me?

hi, ive just recently looked at my credit report and in the last two weeks ive had 2 ccj's added to my credit report. one is from lowell and the other is from lantern drs which i assume is now what mmf used to be. both were issued at my old address and i knew nothing of the matters going this far. the lowell one is for an old shop direct account and the other is an old loan from 2013 which can only of been a payday loan. my question is what should my next move be im a carer for my disabled son so i dont work and claim income support. any advise would be great help. many thanks

Hello Really hoping someone can help. I've received the the forms from court regarding a outstanding debt owed to moriarty law, formerly Lantern and formerly MMF on behalf of poundstopocket. I know I have to respond within 14 days but I really don't want a CCJ because this will affect my future employment and potentially affect my current job. I'd really like to avoid the CCJ but can't afford to pay the full amount at once although I may be able to do over 6 months. Do I have any options as I'm really worried or should I just send the admission and come to a pay monthly agreement and accept the CCJ as satisfied. Thanks

Hi all. I am completely new here and just looking for some advice please. I bought a house in 2015 with no issues all went through with no problems. I went to view a new house on Sunday and approached a mortgage advisor who was going to go through our finances etc and see affordability for the new place, financially i knew it wouldnt be an issue. The advisor contacted me today to advise that I have an active CCJ on my account from 2014. And that due to this he couldn’t get us the mortgage that we needed. I download my credit report and there is a CCJ which I have never seen. My credit score is in the excellent category so I never had any idea that anything was wrong, I’ve never been refused credit in the time since it has been issued. I contacted the court who issued it today and they advised the company who lodged the case, I called them as I was already in a payment plan with them months before the date of the CCJ being filed. They have advised that I can settle the balance and the CCJ will show as satisfied which is better than active. Does anyone know if It’s too late to dispute the CCJ after 4 years of it being on file as I was making regular monthly payments to the student loan company before it was actually issued I did receive papers asking if I agreed to the amount owed and I stated that I did and was already in agreement to pay it back, i then received a letter advising to continue with the arrangement - no mention of a CCJ being issued. If I pay the CCJ and it shows as satisfied does this make my chances any better of securing a better mortgage or is it a lost cause now. Thanks for taking the time to read. Ps sorry if I’ve done this wrong or it’s posted in the wrong section . Nelly

Hello, Have been reading the threads on here for a while as my girlfriend has received a CCJ from Lowell Solicitors about an outstanding debt from Creation Consumer Finance. The last payment on that debt was 1 Oct 2010 the CCJ was issued as I found out from the Trust Registry 6/10/2015 I have tried to get a CCA but that ship has already sailed as it's a CCJ. The debt is for 738£ and she doesn't know what it's for. At the time of the court, she was already living with me but I'm not aware of any letters or summons to court. we moved to a house that I bought at the start of 2017. At the time of the debt 2010-ish, she was with her former boyfriend and they had a mortgage, but that didn't go to plan and they split up and lost the house, her ex-boyfriend said he will take care of it, that is all she knows about the matter. She is foreign and has a limited knowledge of English but she is really worried about the bailiffs coming to my property and doing what they do. As I have learned quite a bit from this forum already, what would be the best course of action for her?

Hi Not sure if this is the best part of the forum to post this but here goes. I have recently received the attached letter from Shoosmiths acting on behalf of Arrow Global (Guernsey) who have a debt that was originally with MBNA. The discounted settlement figure is for 60% of the total amount outstanding. A CCJ was awarded in 2011 for circa £12k Jan 2012 we relinquished our house to the mortgage company May 2012 Arrow went back to court to get the house added to the CCJ as I had defaulted on payments On the way way to court my (now ex) wife called to say the mortgage company had sold the house, the letter arrived in the post after I had set out. In the meeting with the judge and Arrows representative I explained what had happened but had no paperwork to back it up (an hour's bus ride each way would have made me late for the meeting) The judge duly gave them rights over the property and within 7 days I received another letter saying that we had sold the property without their permission. I replied stating both the judge and their representative had been made aware of the property sale at the meeting. I have heard nothing back from them since then. The CCJ no longer shows on my credit report. I do understand that the debt is still there but nearly six and a half years after their last correspondence this has come as a bit of a shock. I do not have any capital to pay off the figure requested, I own no assets of any worth and I have no disposable income. The further options they mention (Attachment of Earnings and/or Warrant of Control) have rattled me somewhat. What is the best response to the letter and what are the likely outcomes? Any advice would be much appreciated! Early Settlement Opportunity After CCJ.pdf

I currently have a CCJ against me that was entered into by default judgment in 2014. The initial court paperwork was sent to an old address but was passed onto me, I did submit a defense but it arrived a day late and was struck out and judgment was entered into by default. I was recovering from a serious illness that affected me both physically and mentally and didn't have the capacity to be able to deal with it at the time. The Timeline is as follows: 2010 Default on credit file 2014 CCJ Default Judgement 2016 Default was dropped from credit file but CCJ remains 2018 I sent letters to the claimant and solicitors asking for proof of claim Claimant: Arrow Global Limited Solicitor: Shoosmiths Particulars of Claim: 1. The claim is for the sum of 7545 in respect of monies owing by the defendant on a credit agreement held by the defendant with Sainsbury's Bank PLC under account number XXXXXXXX upon which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3. By virtue of a sale agreement between Sainsbury's Bank PLC and the claimant, the claim vested in the claimant who has a genuine commercial interest. The defendant has been notified of the assignment by letter. Contact drydensfairfax solicitorson : 0113 823 3850 In January 2018 I wrote to Arrow Global Limited at the address on the claim but my letters were returned undelivered. In February 2018 I wrote three letters to Shoomiths, I have proof of these letters being delivered. The first letter: A formal request for them to supply me with the credit agreement mentioned under the particulars of claim under sections 77-79 of the Consumer Credit Act 1974 The second letter: A subject data access request. The third letter: Request for documents mentioned in the statement of case under CPR 31.14 1. The Agreement 2. The deed of assignment 3. The notice of assignment 4. The default warning letter 5. The default notice I gave them two weeks to send me the above. I received a reply from Shoomiths a month later, they complied with the subject data access request and responded to my letters. In their response they stated the following: They confirmed that they have requested the following from there client Arrow Global Limited: 1. Statement of Account 2. Agreement 3. Notice Of Assignment 4. Terms and Conditions They stated that Arrow Global Limited has been assigned the debt pursuant to the Law of Property Act 1925, they stated I am not a party to the agreement and I am not entitled to a copy of the Deed of Assignment, They said that any other information I have requested to be disproportionate and that they do not agree with my timescales and will contact me again once they have received the documents. It's now 4 months later and they have not provided me with any documentary evidence to substantiate their claim. I am hoping to now write to the court stating that I have requested the evidence of the claim, I am yet to receive any and propose to set aside the claim on those grounds. Any advice on how best to proceed here welcome. If they are unable to prove their claim then surely there is no claim? I need some help and guidance on approaching this in the best possible way. Many Thanks

Hi I'm looking for a bit of advice regarding a debt collection agency that is hounding me at the moment... I have a few very old debts,credit cards and Catalogue debt that will be statute barred come December but this debt collector is now planning to issue CCJ's on them... There's a couple of these debts where i have grounds to dispute them as they are actually not my fault as the originally company just didn't attempt to take any payments off me for over 12 months and when they realised they demanded all the back payments all at once... My question is are there guidelines on how long it should take a dca to go for CCJ's ??or can they effectively stretch the effects of them out on your credit file over 12 years by waiting the 6 years before issuing CCJ's which will then last for another 6 ??? Thanks

Hi Sorry if this is in wrong thread, I can't seem to find a forum for aging Credit Card Debt. I was under the impression that Consumer Debt, i.e. Credit Card Debt, could not effectively be enforced beyond the 6 years without a CCJ and that it was not worth their while to obtain a CCJ. Is this not the case? A letter sent to address not been at for 2 years said Cap had obtained a CCJ, yet no Court Documents served warning of a hearing etc served to either current or old address. Is this a stunt they achieve by doing things in bulk? We hear of Courts signing things off leaving victim to deal with outcome. Says they are going to seek a warrant of control, I am on permanent ESA Last payment was about 6 years ago, which suggests to me that they have correct paperwork. I foolishly kept the debt alive for years with small payments before life changing incidents meant I could no longer service debt. Will a Court take what little money I have, £5 a month would take 500 months! I was told under consumer credit act that interest was frozen, now they are adding fees for taking me to Court. Does this mean they can add more fees and interest? Do the Court come after me for Warrant of Control or do Cap have to pay them? Is this a keep alive tactic that just adds 6 years of hopelessness to it? I do not want to re-awaken this or other debts.

After checking my credit report in March this year i discovered i had a CCJ on my credit report. I knew this could not relate to me as i have never deafulted on any account i have had, next step i took was to pay the fee for trust online to get the details of the CCJ. The details showed that the CCJ had been issued by Volkswagon Finance, i have never had a car on finance i knew it was wrong. My credit file stated it was for another person with the same name and DOB as myself , apart from he has a middle name and i do not. Next step sent a SAR to Volkswagon Finance, and this just proves that they do not carry out checks properly, they sent me the SAR request and everything i received was relating to this other person, nothing relating to me at all. Now i have this other persons bank acc number, sort codes, drivers licence,email address, and every letter/email/court proceedings. I am now stuck at what to do next with this case so any help would be appreciated. https://www.consumeractiongroup.co.uk/forum/showthread.php?488056-Barclays-default-not-mine-!!!&p=5129009#post5129009 https://www.consumeractiongroup.co.uk/forum/showthread.php?488061-Lloyds-Bank-linking-wrong-information-again-!!!&p=5129027#post5129027 Thanks.

Hi I am so stressed out. I've been at a University address since recently and came home to parents house to discover i have had a CCJ filed against me last month for an old catalogue debt and have been ordered to pay £50 per month with the first payment due in the next few days. I don't dispute the debt I just have no money and as I have now just completed my final year at Uni I am technically unemployed. I will be moving back in with parents very soon and am worried a bailiff will be paying me a visit and cause great embarrasment and distress to them. I've done some preliminary research but it looks very complex to me. Whether I apply for it to be set aside, or ask a court to change the amount, it all involves paying a fee which I don't have. I think in order to get help with fees you have to be on JSA/unemployment benefit? I don't want to do this. Just wondering what is likely to happen now? The amount of the debt is "only" around £300ish but I can't afford anything until I get a job. If the bailiff comes and I don't let him in, I know they can't force entry as long as doors are locked etc but what is the worst they can do? Can I just ignore him completely? Any advice greatly appreciated

Good afternoon, or is it? I returned home this afternoon to find a card small card posted through my door, from county court bailiff. I was very surprised, really, and contacted the number straight away. The bailiff answered the phone, seemed pleasant enough, and explained that the visit was in relation to a debt with Cabot finance, outstanding CCJ. He said he couldn't return today, due to having to be at a eviction! He also complained about being the only county court bailiff in the area. He said he might be able to return tomorrow, and he has some paper work for me to fill out? I have dealt with other bailiffs before over council tax, and have always found them to be very polite and reasonable and I've always been able to set up a payment plan, but I've only ever owed a few hundred pound before, this is a massive sum, and I can't afford to pay this back all at once. Anyone know what will happen when he returns tomorrow? Will he allow me to set up a payment plan? I'm so annoyed with myself, as I've literally just got myself all up to date with all my debt, a considerably small sum, but a lot to me.

Hi all, I had a judgement registered against me which i paid in full within 28days. I have spoken to the court and they have confirmed it is showing as cancelled however the lady said that it can take time to filter down to credit reference agencies, does anyone know what sort of length of time this may be as it is having a significant impact on my score and i need to get a letting agency check done. Is there anything i can do to speed up process??

Hi all, Some help and advice would be amazing on this! I have a defaulted payday loan with Instant Cash/PayDay Uk which is now owned by Prac/BW Legal. The account started on 10/01/2012 and the default occurred on 1/7/2012. I did not make a payment at all towards this or respond to any letters or phone calls. As you can see this debt is very close to being statue barred, if not already. I went through some old documents and discovered a letter of claim from Prac/BW Legal for this debt. This was sent to my current address (which was different from the address on the account, so they know where I am) on 24/10/17 with a reply needed by 28/11/17. I foolishly put this in with the other few letters I have received over the months which I assumed were bog standard debt letters. I did not reply to this in any way. Where do I stand? I havent heard anything since. Nothing from the court. Nothing on my credit file and its 6-7 months past the deadline set by the letter? What should I do? What I'm hoping is that they missed the chance to get it to the court before it became statue barred? As, if I'm right in my thinking I never made a contractual payment then the 'cause of action' would be the first missed payment, and the debt becomes statute barred 6 years after that. Which would be around the Jan/Feb time of 2018? Thanks all

Just today received a CCJ for £350 quid, for parking in a hotel car park. This is the first bit of paperwork that i've had, other than them asking me for money (the pcn) thing. I wrote back to them stating that i was a guest of the hotel at the time, they replied with a letter saying 'we don't care' What steps do i now have to do to get the court to reverse this?

Hi all, I had a CCJ issued against me on 26th April, I contacted Shoosmiths LLP who were acting on behalf of client and agreed repayment terms over five months. I am now in position to repay the debt before the 26th May, i checked with the court this morning and they agreed that if that happened then i can ask the court to cancel the entry on the register (they stated that normally the claimant will notify them). Tonight i phoned the automated payment line where a message says that they cannot accept payment to clear outstanding balance unless agreed in writing, this now worries me that i will not be able to get this done before the 26th May. I will contact Shoosmiths in the morning but does anyone have any thoughts??