Unknown Lowell CCJ old CAT debt - advice please

[dx100uk]

what is your reason for the set aside [what address was on the claimform - not the CCJ?]

 

you need a reason

 

and your need a defence for the actual debt too.

the lacking of any paperwork [via CCA/CPR] is not a defence once a CCJ has been issued

sadly that now trumps any paperwork requirement .

 

there are lots of thread here regarding N244

just use our search CAG box of the top redtoolbar

N244

 

but if you've no reason for the set aside nor a defence for the debt

the N245 might be a better route [typo removed]

 

tell us about the debt

[isbo]

Where's the Claim Form?

 

What is this?

 

Is this what they SHOULD have sent me, but I've never received?

 

Reason is I had no idea this was being taken to court.

 

How can a CCJ being issued, with no warning whatsoever trump ANYTHING?

 

What's N245?

 

The debt?

 

Who are these people?

[dx100uk]

p'haps you need to go and have a read around instead of doing the headless chicken act....

 

you've already had one claim against you

you should know the score ..

 

why don't you go read your old thread

p'haps it might refresh your memory of court things and the process etc

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?461022-HPH2-Cohen-Claim-Form-barclaycard-debt-***Settled-by-Tomlin-Order***

[isbo]

I see you've edited my response to "N245" from that which you posted "N2245", now I can research the correct form.

[dx100uk]

you requested a copy of the claimform when you emailed northants bulk did you not?

 

dx

[isbo]

Yes I did. See post of their reply and my initial email. None has been forthcoming. So what next in the absence of that, is kind of what I meant...

[dx100uk]

yes I see my typo..changed that now

pitfalls of a tiny screen I was on.

 

we need the background of the debt please

then we can better advise

 

was this taken out whilst at your present address etc..

[isbo]

Thank you very much. Yes I very much share the tiny screen frustration with you.

 

Ok, it definitely isn’t from this or my last three addresses, that’s for sure.

 

It appears to be from when my world came crashing down in 2013, three moves ago.

Nobody has written to me here, and we’ve been here for 19 months.

 

I’d guess and say a store account or credit card in origin.

 

Once upon a time I was in full control, earnt decent money and didn’t work 6 days a week.

When I fell ill I lost everything...

[dx100uk]

that's ok

its a catalogue debt to JD Williams from what you posted earlier.

 

is there any trace of this on your credit file?

 

 

let me go scan that old thread of yours too

there might be hints there to investigate.

 

post 6 here is also relevant.

[isbo]

It’s from the credit report I did for a mortgage that I discovered it.

[isbo]

Ok thanks, yes they’ve obviously done that trick in post six then, grrr.

[dx100uk]

ok so what does that credit report tell you about this debt?

 

you [well we] need to gather the info to try and ascertain your next move

 

to me post 6 is the important bit.

if you never made contact at all

how did they magically get your correct address on the CCJ?

 

but also magically send everything previously to an old address

its a trick that cohen have pulled time and time again.

 

dx

[isbo]

Thanks.

 

It tells me it was started and then paid for a while, then I stopped and never restarted.

I’ve heard nothing from them for years.

[dx100uk]

payments to whom and when?

you wont have heard from them as they would have written to your old address

[isbo]

To the original creditor, back in 2013.

[dx100uk]

then you moved around 3 times and didn't tell your creditors or debt owners you had moved.

 

if I were to be honest unless you can get copy of the original claimform and try and fathom out how they managed to send everything else bar the judgement to an old address

I cant see a reason for your set aside

let alone a defence for the debt itself at this stage.

 

you could sar JDW

get all the info and see what is shows..

[isbo]

OK. Expected as much.

 

No need for a SAR, wouldn't achieve anything at all other than waste time, and energy.

It wouldn't rewind this judgement.

 

Yes, I did move, yes, there is recognition of the debt, and no they have never written to me.

 

The onus is on them to tell me BEFORE a judgement is entered. Rightly or wrongly.

 

I'll appoint solicitors, thanks, you can close the thread.

[dx100uk]

The onus is on them to tell me BEFORE a judgement is entered. Rightly or wrongly.

 

sadly they are not.

 

they can quite legally file to the last known address

that typically being the one you last informed the original creditor of in writing.