Marlin Egg card CCJ set aside and defend

[stuscfc1883]

Hi Caggers,

 

I hope you can help . . . thought I was over this lot . . .

 

I had an egg card many moons ago along with other CC's

 

 

sadly when my printing company hit the wall in roughly 2008 things of course took a turn for the worst.

 

I managed to pay off capital, spoke to barclayshark who said, you're not in arrears so we can't do anything . . . yet . .

. i also paid off MBNA and pg's with the bank.

 

 

I spent almost £30k paying off those and of course there was no more cash left and no income for agreements.

 

Clearly BC and Egg don't listen and thanks to help on here I managed to put those companies back in their boxes

and for years I had nothing but the usual threatening letters from various DC's . . .

 

and then came the Talk Talk Hack and the free Noddle credit check and

this is where I noticed that my Credit Rating which in April 'ish on experian and the other one was in the green (which i was amazed at)

I noticed I was a 1 out of 5 on Noddle??

clicking through I see a CCJ for over £4k and i've now found out it is Marlin and the old Egg debt . . .

 

So what's the next step for me please?

I guess contacting the local County Court to get the ruling Set Aside but what after that?

 

I'd appreciate all the help I can get

. . I was so chuffed to get a green credit rating earlier this year

and now i'm being dragged back into the red again . . .

[AndyOrch]

I will move your post to the Financial Legal Issues stuscfc1883 where you will get more views and the correct advice on how to deal with this.

 

Regards

Andyorch

[stuscfc1883]

great, thanks for that Andy . . .

[dx100uk]

so when did they get the ccj and who got it?

 

 

did you know anything about?

get any paperwork through/

or have you moved in recent years

and never updated your address?

 

 

dx

[dx100uk]

sorry I see it marlins

so prob cabot was the claimant?

 

 

dx

[stuscfc1883]

we have moved twice since the address that's on file and i've never received any of the paperwork etc .

 

. . i'm not exactly hidden,

 

i'm on the council list,

 

i pay our council tax and receive mail at our home

so it should be an easy find if someone were looking . .

 

. but there in lies the question

[dx100uk]

nope

it is quite legal for them to serve the CCJ etc to your last known address

 

 

so there lies your problem.

you didn't update your creditors.

 

 

dx

[oleg]

If six years or more gap between your last writing to or paying Barcl / Egg and Marlin issuing claim , you may have chance of obtaining Set Aside.

[stuscfc1883]

it must be close to that easily, but these CC debts have been passed from DC to DC and back again so I don't know who's looking after them or are they all part of the same DC Gang?

[oleg]

Ring / visit Barcl and ask what date you last paid

[stuscfc1883]

not surprising it was on the last day 5 years 394 days etc . .

 

. They have declined to set aside as I should have notified them .

 

. . I've asked what date they took the case on and what date was then fist correspondence to me . .

 

. I'm still waiting for this information . .

 

. My defence at the moment is that the CC debt in question had been 'sold' on so many times

or certainly more than I care to remember

 

how many different DCs have been in touch

 

I've not got a clue which debt relates to that in question

[stuscfc1883]

they won't set aside,

they were handed my case back in 2013

and later that year we sold our house and moved,

 

 

looks like expenditure form and do a deal unless you talented chaps can point me in another direction?

[AndyOrch]

Could you perhaps expand on their reasons why they would not set a side ?