Dear all, This forum has been very helpful to me in the past and I have returned again with another issue I am faced with now. I checked my Experian credit report today for the first time and found out that there was a CCJ against me May 2012 Santander Credit Card (Store Card) debt of £700. I contacted Northants Court and obtained the claim number and claimant details which was Howard Cohen Solicitors working for Lewis Group who are in turn working for Santander. I moved out of that address in 2011 and informed Santander too. I have a letter from Santander dated 27th Jan 2012 regarding this particular credit card to my new address to prove that I have made them aware of my address change. In June 2013, I was contacted about the same credit card by Arrows at my correct new address, I made them a full and final settlement offer, paid and they confirmed in writing that the account is closed and that was on 28th June 2013. Now I am really confused what to do next. NCCourt advised me to contact the Claimant which I did. The claimant, Howard Cohen, asked me to contact Lewis Group who they work for. After contacting Lewis Group and demanding why they had sent the claim to the wrong address that resulted in a judgement without my knowledge, they apologised and assured me that they will ask their solicitors (Howard Cohen) to write to court and 'Resolve' this matter. I asked if they require me to do anything, they said I just need to wait for two weeks and the judgement will be dropped. I also contacted the Fos as advised by a representative I spoke to at NCC. The ombudsman told me that they will send a letter to Howard Cohen demanding why they have filed a claim with the wrong address and ask for explanation. However, when I spoke to NDL Helpline afterwards, I was told that what Lewis Group is suggesting that they will 'Resolve' this matter and drop the judgement may not be as easy as it sounds. The County Court apparently does not allow a claimant to amend a judgement after it has been passed. Therefore, I call up NCC again and explained the whole situation and asked if Howard Cohen Solicitors can call them and have the judgement set aside. They asked me to call them in two weeks time to find out what the outcome is. I asked if I would need to fill out a N244 and pay £80 to request to have the judgement put aside as it was served to the wrong address but the person sounded confused. Now it looks like if Lewis Group Solicitor Howard Cohen do get in touch with the court and ask for the judgement to be dropped or something similar which I really dont know how they will, the outcome can either be that there is a miracle and I do not have a CCJ any more on my credit file. Or, when after Howard Cohen get in touch with the Court, the CCJ process will start all over again and then I will have to respond to this claim following normal procedures. If that happens, then should I just inform the court that I had settled the debt already in June 2013 through Arrow Global and Howard Cohen's claim of £700 is invalid? Then would the court agree that I do not need to pay the claimant as I have already paid Arrow Global.. or would I need to settle the same debt again with Howard Cohen too? I really appreciate your time if you have read my post so far. Any comments on my situation or any piece of advice would be very helpful. NDL adviser was very helpful and said my case is a rare one and asked me to seek legal advice. Do you recommend I get an appointment with Citizens Advice Bureau or just wait for two weeks to see if Lewis Group get their solicitors to 'resolve' this matter. I somehow can not gather enough faith on Lewis Group to actually 'Resolve' this matter as they told me on the phone today. Many thanks for reading and I hope my post and your replies help others who face similar situation like me.

Hello I wonder if anyone can advise on this? I am currently paying £65 per month to The Lewis Group as part of a repayment plan. I believe that this may have been for a very old loan (circa 2002) for Black Horse Finance which I defaulted on and was passed to debt collectors. It no longer shows on my CRA report but when they contacted my a couple of years ago they were quite abrupt and as I wasn't as clued up on these matters as I am now I agreed to set up the repayment plan. I therefore assume that as I have acknowledged the debt by paying it I have no choice but to continue until it is settled and can't go down the statute barred route? (I think it *may* have been registered as a CCJ years ago but as I say with it being so old this is no longer on my CRA and I don't even know if it would still be enforceable?!) I have almost continually paid the monthly installments as below, and on the couple of occasions that I have missed a payment I have reset up the agreement for the following month. I have not spoken to this company for nearly a year now, so my memory of what they explained is vague, including the balance to be paid, but as this is the last outstanding debt I have I am now focussing my attention on getting it sorted. I have tried to contact them today for info but they are closed for holidays so I will be contacting them for a balance and to request a statement when they re-open on Thursday 2nd Jan. In the mean time my questions to you are... a) should I still be paying this? b) is the CCJ (if it was actually a CCJ in the first place!) still relevant? (it is definitely over 6 years ago if it was a CCJ as nothing is registered against me on my CRA) c) what would be the potential repercussions of ceasing payment (i.e just cancelling DD)? d) could they register a new default against me or in any way impact on my credit file? Any advice would be much appreciated! I understand I must sound silly for not having all of the information to hand surrounding the debt but as it is so old I just accepted that it needed to be paid and never questioned it or noticed the DD coming out of my account each month. Thank you in advance! (details of payments made are as below....) May 2012 - July 2012 = £50 missed August September 2012 - November 2012 = £65 missed December January 2013 = £76.62 February 2013 - present = £65

my mum told me today she had a £5k loan 19 year ago from hsb bank, and im not sure if she defaulted but somehow at some point lewis got over the debt, a long time ago, she has almost never missed a payement in 19 years (god knows how much interest you have to put on a five grand loan to still be paying 19 years later but something smells fishy here!!!!!, Her pride stopped her going bankrupt and for the last 20 odd years she struggled to pay various debts off from the last recession, when we had lost our home, even after my dad died she has carried on paying debts that were in both their names, my mum is retiring and works one day a week to help teach the new accounts person how to do the job she is leaving, i found out they( the lewis group) have basically been threatening and harrassing my mum with letters phone calls, and have now started asking for full settlement they also rang her work all over the last few months! im sure thats not legal> I need some help, someone to point me in the way of the right templates to ensure this gets sorted and they get a good ass woopin,surely she shouldnt still owe anything after this long, can somebody please advise where to start sorting this, thanks in advance