Desperate for some help with an unfair ccj

qazwsxedc12345

Hi i am new here

i will try and explain as easy and quick as possible , sorry if i waffle

Basically i want to apply for the police , i thought id check my credit rating as i have had bad credit in the past , just defaults nothing to major. However when i looked on there it said i had a CCJ filed against me.

I phoned the court and they told me the CCJ was put against me in 2007 for an address i have not lived at for 4 years. They told me it was a company called CL FINANCE. I looked through the internet to find out who they are as i did not know what the CCJ was for as i was not aware i owed £332 to anyone. I spoke to CL FINANCE and they told me it was for an old store card i had with topman. I asked what the original outstanidng balance was on the card and they refused to tell me and i asked for a statement to show exactly what i owed the money for , they also refused this. I explained that i had not lived at the address for 4 years at which point she got very aggressive with me and demanded i paid the £332 over the phone there and then. I said no as i do not know what i owe the money for and its afiled at an address that i have not lived at for ages. At which point i said i would contact the courts again and try and sort something out as i was not accepting a CCJ against me.

Now in the mean time i was trying to sort out my police application and sort things out with a debt advice company. In the mean time whilst i am doing this CL FINANCE sold my debt on to another debt collection agency.

I phoned the new collection company and once again explained the situation to them which has fallen on death ears , they just want the money.


I cannot join the police with a CCJ on my file and it put my chances down considerably for having a settled CCJ. I want this CCJ removed completely and i will pay whatever i owe when i have seen a statement breakdown of what i owe.

Is there a way this can happen? as i am bloody furious with the whole thing , its affecting me alot and completely unfair. Without sounding dramatic this CCJ is runing a fair bit of my life and to be honest is making me feel abit depressed. The thing si time is not on my side , my application needs to be in by mid march or sooner if possible.


PLEASE CAN ANYONE HELP

gettingbetter

:hello: try asking cl finance for cca
there is a template letter
remember dont sign it just print your name
there is also another letter (cant remember
what its called) but they have to send everything they
have against you

the more knowlegeable peeps will help
but just wanted to say hi

kas xx

qazwsxedc12345

cl finance will no longer discuss anything with me as they sold the debt to someone else

gettingbetter

ok sorry missed the bit that they had sold it to someone else
you need to find out who its been sold to

and ask them for the CCA
chances are they wont be able to produce it

kas xx

qazwsxedc12345

gettingbetter wrote: »

ok sorry missed the bit that they had sold it to someone else
you need to find out who its been sold to

and ask them for the CCA
chances are they wont be able to produce it

kas xx

which still leaves me with a CCJ on my credit file

gettingbetter

if they cant produce cca
they cant enforce the debt
there may be some way to get it removed
as i said earlier the brain boxes will be here soon

kas xx

Nilrem

gettingbetter wrote: »

if they cant produce cca
they cant enforce the debt
there may be some way to get it removed
as i said earlier the brain boxes will be here soon

kas xx

IIRC CCA becomes irrelivent after a CCJ has been granted, at the moment the problem is the CCJ.

However I think the op may be able to get a form from the court to have the CCJ set aside (resetting it to the point it was at when the CCJ was applied for) as he didn't receive any notification of it being applied for, and thus no chance to respond to it (due to it being sent to a house he wasn't living at).
The only problem might be the length of time between the CCJ being granted and him becoming aware of it.

I'm fairly certain someone who has experience with this sort of situation will probably be along soon

qazwsxedc12345

anyone? please

10past6

I doubt very much you'll get this CCJ lifted, unless there are grounds for having it set aside.

Since moving from the "Original address" where the CCJ has beed issued against, in the last 4 years have you been on the electrol register?

CLAPTON

I would suggest you contact nationaldebtline for advice about how to get the CCJ set aside

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=12_how_to_set_aside_a_judgment_in_the_county_court

qazwsxedc12345

10past6 wrote: »

I doubt very much you'll get this CCJ lifted, unless there are grounds for having it set aside.

Since moving from the "Original address" where the CCJ has beed issued against, in the last 4 years have you been on the electrol register?

Yes , they knew damn well i didnt live at that address

Im trying to sort it out now but getting nowhere , the court said i have to pay the debt and then apply to have it removed. I cant really afford £332 right now but will pay it if i have to

These are the 4 companys involved

GE capital
Howard cohen & co soliciotrs
CL finance limited
Activ

That is the order of how th debt has gone and activ now have the debt , i just phoned activ and they told me they would accept £266 as payment on the debt but i then asked if that would be the debt satisfied and she said NO. At which point i just got annoyed and told her shes trying to pull a fast one like the rest of them. why make it that the debt will be cleared if i pay £266???? how do debt companys get away with whatever they damn well like and ruin someones life. Just seems like fin and games to them.