Old debt just awarded a CCJ

sinizterguy

Unfortunately, you messed up and the timing of this was worse. No their fault.

Try to deal with it rather than complain about the system.

From what you have said, nothing was done wrong by them, except that the letters they sent apparently didn't meet your expected standards. That's not a crime.

olddebtproblems

sinizterguy wrote: »

Unfortunately, you messed up and the timing of this was worse. No their fault.

Try to deal with it rather than complain about the system.

From what you have said, nothing was done wrong by them, except that the letters they sent apparently didn't meet your expected standards. That's not a crime.

I have just said as far as I am aware I dont owe any money

meet my standards? A couple of lines wrote on a plain piece of paper. No it's not a crime. But being underhand isn't exactly right is it. Neither is selling debts on to shady outfits.

When someone sends you a letter saying you owe money. You don't write 'You owe this much, phone now to pay' no other information present.

tomtontom

olddebtproblems wrote: »

also

if these letters were so important...why did they look like something from a board game? and why were they not sent recorded post?

The presentation of the letter is irrelevant, as is the formof postage used. You need to address the issue rather than pointing blame at the system - contact Restons and see if they can refresh your memory as to what the debt relates to. Then you can decide whether it is worth trying to get the order set aside.

[Deleted User]

olddebtproblems wrote: »

So it's ok for them to file a claim while I'm on holiday

They weren't to know you were on holiday.

and claim for any amount they please and I have to just roll over and pay it?

They appear to have followed the correct procedure, and served you with the required paperwork.

It's not their fault, that you elected not to read it.

Had you read the LBA, you would have been aware of the alleged debt, and could have taken action, before going on holiday.

so basically I have to find £960 in 27 days or I lose a job

Again, not their fault. They appear to have gone by the book.

Nice system we have in place.

The system works fine, provided the defendant reads the correspondence they are sent.

olddebtproblems

tomtontom wrote: »

The presentation of the letter is irrelevant, as is the formof postage used. You need to address the issue rather than pointing blame at the system - contact Restons and see if they can refresh your memory as to what the debt relates to. Then you can decide whether it is worth trying to get the order set aside.

so, it seems if I have any contact via letter back to them or the court, I have to send it recorded post? Why does this not apply to them (restens) aswell?

sinizterguy

olddebtproblems wrote: »

I have just said as far as I am aware I dont owe any money

Actually, what you said was they did send you information repeatedly, that you ignored.

If what you stated was a defence of any sort, no CCJs would exist. Just plead ignorance, repeatedly, after ignoring all forms of contact.

olddebtproblems

I said in the first post I believe there is no outstanding debt

[Deleted User]

olddebtproblems wrote: »

No it's not a crime. But being underhand isn't exactly right is it.

They weren't being underhand.

They sent you letters, which you chose not to read.

When someone sends you a letter saying you owe money. You don't write 'You owe this much, phone now to pay' no other information present.

True, but when they send you one titled "Letter Before Action", you should be able to deduce, that the matter is getting serious, and needs dealing with.

tomtontom

olddebtproblems wrote: »

so, it seems if I have any contact via letter back to them or the court, I have to send it recorded post? Why does this not apply to them (restens) aswell?

There is no need for you to send anything Recorded Delivery. You can get proof of postage free of charge at the post office.

olddebtproblems

Bedsit_Bob wrote: »

They weren't being underhand.

They sent you letters, which you chose not to read.



True, but when they send you one titled "Letter Before Action", you should be able to deduce, that the matter is getting serious, and needs dealing with.

Well, if I read that I would have taken it seriously! I know that much. But, I cant prove or disprove they sent me that. Which is why im just saying I honestly dont know. It's been a long time since I last received a letter.