Hi,
This is my first post on here so hopefully i am posting in the right place!
I obtained a copy of my credit file last week and noticed that a CCJ has been entered against me
from November 2013 from Welcome finance (HFO capital Ltd)
this debt relates to a very old debt dating back to approx 2004, which was a loan for £3,000.
Some of this i have repaid and the outstanding amount is said to be £1,890.15.
I was paying this off each month until i went on maternity leave and my financial circumstances changed.
I had several discussions with various people from HFO and their solicitors Turnball and Rutherford,
however after these discussions nothing came of anything and to be honest they were the last thing on my mind once i had a new baby in the house.
I had never recieved any letters from them and certainly nothing to do with court proceedings/CCJ's being issued etc.
I contacted the court and requested a copy of the judgement and claim form..
. the court has sent me the copy of the judgement
however they have written to tell me they do not have a copy of the claim form and that this may be with the claimants solicitors Turnbull and Rutherford.
The courts passed on their contact details to me and i have tried contacting them and HFO but the number is no longer in use
and according to the internet neither are no longer trading????
I am at a loss as to what i do as i have no way of even contacting the company about the so called CCJ they were meant to have sent me.
I feel totally sick as the reason i got a copy of my credit file is because i am looking to get a mortgage and something was flagged up..
... Everything now is such a mess and my future plans are looking very dismal!
The annoying thing with it all is i was always happy to pay it off and i don't feel like i have had a chance to sort the problem out
as i had no idea the CCJ had been placed on record.
Is there anything i can do?
Any advice would be greatly appreciated..