Robinson way and now a ccj

Helpneeded2016

Hi my boyfriend is being chased by Robinson way for a Barclaycard debt he knows nothing about. He had ignored the letters but now he's received a county court letter demanding payment etc..

I've only just found out and am in total panic.I know we can dispute it on the court papers but any advice appreciated.

HappyMJ

Depending on what letters he ignored. Saying he knows nothing about it and then in the same paragraph saying he ignored all the letters is contradicting yourself.

Does he still have all the letters?

In any case...it's not your problem. His debts have nothing at all to do with you. Look after your own credit. Do not get a joint credit agreement with anyone who is wiling to ignore mail. At least until he gets his act together and starts taking responsibility.

That might mean your dream of home ownership will not happen for at least 6 years. You can still buy an investment property kept in your own name and rent one that you will live in together if you really want to get into property but definitely avoid ever getting into joint accounts, joint loans and don't give him a card on your credit card.

And...don't bail him out. It's his debt.

Helpneeded2016

Hi, thanks for your response.Believe me I've given him a hard time about it.

He has the letters still. They are the standard letter you get. He has never had a credit card so thinks his ex took it out in his name without his knowledge. He does not have any contact with her so can't check.

Still looking for any useful advise how we should approach this with the court paperwork.

HappyMJ

Helpneeded2016 wrote: »

Hi, thanks for your response.Believe me I've given him a hard time about it.

He has the letters still. They are the standard letter you get. He has never had a credit card so thinks his ex took it out in his name without his knowledge. He does not have any contact with her so can't check.

Still looking for any useful advise how we should approach this with the court paperwork.

He needs to have responded within time. If he got the letter opened it and ignored it because it looked a but scary then why does he now want to appeal it.

He's got 28 days from the date of the CCJ to pay it in full with costs or it will be on his credit record for 6 years....or has he ignored that one too.

If he thinks the card was taken out fraudulently then he needs to report it to the credit card company which will get the police involved and potentially a criminal record against his ex. Once she's been convicted he can clean up his credit record and there'll be no trace of it.

sourcrates

Hi,


Lets just be clear, is it a letter stating they will take him to court, or an actual claim form from the court, or a letter advising a CCJ has already been registered against him ?

Helpneeded2016

Hi, it's a claim form from the county court business centre.

sourcrates

Helpneeded2016 wrote: »

Hi, it's a claim form from the county court business centre.

Ok,


best thing you can do is register and post on this site, they are more geared up for legal issues and will be able to advise his next move, do it today, as strict time limits apply to claim forms :


http://legalbeagles.info/

National_Debtline

It sounds as though these forms are from Northampton so I have put a few tips below about claim forms and response times and your choices. And Sourcrates is right, you may need some legal advice too.


(1). You have 14days from the Issue Date to file a response from the pack provided (you also have an extra 5 days to allow for postage - so a total of 19days). If he wishes to defend the claim then he can file the Acknowledgement of Service form first and this will give him an additional 14days to file his final response (so a total of 33days).


(2). If he wishes to file a defence then he should seek some legal advice - this may cost him money. If his defence is successful then the whole thing will go away - nothing will be on his credit file and the matter will be closed. But if he loses then I am afraid the claim may increase through legal costs from the other side.

(3). If he wishes to admit the debt, but cannot afford to clear it in full (within 28days of the judgement date as Happy MJ said) then he will have a CCJ on his credit file for 6 years. He will need to complete the Admission form and make an offer to repay monthly based on what he can afford.


I hope this has helped. We do have a factsheet that is more detailed about reply to claim forms. Good Luck,


Laura
@natdebtline