ccj kelp

raincatcher

hi all new to this so i hope ive put this in wright part any way here i go
i got ccj which i found out i had by credit report dated 2007 and listed at a old address but out of the blue this week i had a letter from mackenzie hall pursuers equidebt ltd original creditor barclaycard but letter is a failure to respond notice so who owns debit now? i fought if you have a ccj it could not be sold ? should i send a n244 to get it removed or should i just let it run if any one can help many thanks

fermi

Well, the right to collect whatever is due under a CCJ can certainly be sold.

Do you have grounds to remove it?

Presumably the original claim forms from the court were sent to a previous address? If so, had you informed the creditor of your current address at the time? And do you have proof?

If not, then you may have trouble getting it set aside, as it is normally fair to serve papers at your last known address.

But there is not much info in your post, so hard to say.

raincatcher

Hi thank you for your relpy no I did not get informed about it
it seam thea mixed address up with old address as fair I can see so
so should I send a letter to debt collect agent to prove I own it will that clear ccj allso I had a differnt company chasing this a differnt adress I not lived at so I did get that removed so confusing y do thea keep move it to differnt people this account was open in 2002 but default in 2007 not even sure it mine as not had credit card for well over 6 years I think the over company just defaulted it so thea can keep chashing it and if any one can help if it mine I pay but I would like the ccj off as it destroying my life

Tixy

When you had the account with barclaycard did you live at your current address or at the address the CCJ is registered to?

You opened the account in 2002? when did you stop paying back? does your credit report show a default dated in 2007 and a CCJ in 2007?

Essentially if it was your debt and you owe the money the only way to clear the CCJ is to pay the debt - it will then show on your credit report as a settled CCJ, until it drops off your report 6years after the date of the CCJ.