To set aside or not? CCJ

rizla_king

Dovah_diva wrote: »

Except that this is an area I am knowledgeable in, as it is my line of work - and not just opinion.

If that is the case, then I am amazed that you have not bothered to read the civil procedure rules.

cmb621

Thanks everyone for your replies. It is good to hear what people think.

I thought I would set out some further facts.

1) I went off traveling during 2012 so had changed my correspondence address to my mother house whilst I was away. That is why the mortgage company wrote there. The housing association told them that there was non payment of service charges. Admittedly I should have changed my mortgage correspondence address to my current rented address. I think this might work against me...

2) I have an automatic email from the online contact form entitled change of address. So that proves I did get in touch on August 2013.

3) I have another email sent in March 2013 to an officer at the HA - I did not get a reply to this, but I did not get a bounce back either.

4) I have an electronic copy of a letter changing the address back in 2010 - but no proof of postage.

5) I currently rent with my partner. We are trying to buy a place together without selling the flat. I want to keep hold of it, since when we all retire we will have piddly pensions! That is another reason the housing prices are crazy.

I guess it is all just a matter of what the judge thinks.

It is interesting and helpful to hear from leachdy - I honestly think the leasehold officer was quite sympathetic to my situation and surprised I just paid up in full. I cannot imagine they would object to it being set aside since I have paid and made arrangements to pay properly from now on.

National debtline were very helpful - but warned me that I may have to foot the court costs... I suppose that is the risk!

I think I am going to go for it!!