Tower Capital CCJ

tattyteddy_2 · 30 August 2011 at 10:41AM

hi was just wondering if anybody had some advice i took out a loan with tower capital at my current address and i defaulted on the payment. the balance is £268. not long after i defaulted i was made redundant so i agreed a repayment plan with them of £20 a month as thats all i could afford at the time but they kept taking what they liked off my debit card when they felt like it so i was getting in trouble with my bank as kept going overdrawn .i cancelled my card and opened a basic bank account so could not go overdrawn and i spoke to tower capital and told them i would be making my repayments by standing order from now on until the balance is cleared which they said was ok but under the terms of the ccj they have registered against me they have a right to take payments when they like until its paid off .

id never received any notification off anyone to say a ccj had been registered against me because of tower but up on looking at my credit file tower capital have actually got a ccj registered against me for this loan at an address i lived at 2 years before taking out this loan with them

.i contacted them and told them that they have for some reason taken a ccj out against me at my previous address for this loan and they said they cant have as they only have my current address on file but i rang the courts up and told them the ccj number tower capital gave me and they confirmed that it is registered at my previous address .

does anyone know if there is anything i can do about this as had i have received notification at my correct address not a address i had not lived at for 2 years ,at the time of this going to court i could have tried sorting it out and also i dont understand why tower capital issued a ccj anyway when they were taking my payments monthly under the repayment plan ?