CCJ Advice

[Deleted User]

moneydragon wrote: »

No I hadnt stopped paying, I understood the contract had ended and I had taken out another contract with a different supplier, but O2 where claiming that it hadn't.
That was the original dispute that I was asking them to prove.

What were the contract terms and dates?

moneydragon

Hi All

Just to update. I now have my court date for 4 weeks time. Would appreciate any advice whilst I prepare for the day. TIA

[Deleted User]

Prepare your “defence” as to why you want to contest it.

Or come to a payment arrangement

PixelPound

!!! wrote: »

So if you don’t update your address when you move (or otherwise, especially if you’re purposefully avoiding debts) and the lender and/or court doesn’t attempt to track you down then that’s fair game to have it set aside?

The old case used to be that CCJ's were issued to "the last known address", creditors didn't check and even when they were informed by new occupants that the person "no longer lived there" they still went for CCJ and then afterwards started tracing to find current address. This led to a lot of set asides being granted. The courts do not like their time being wasted, and so MOJ put in changes, just like when the old Letter Before Action was beefed up to Pre-Action Protocol to try and reduce the number of claims forms issued. Creditors now have to do some rudimentary checks.

Of course this does not mean they need to go and chase down the person and find their current address, just that the creditor can show the debtor has connections to the address they are wanting to issue legal proceedings to. Not sure what exactly the minimum would be but usually a check of their credit file which will suffice.

moneydragon

Hi all

Well I attended court today and the good news is that the judge agreed with me in that Crapquest had acted unfairly and not given me any chance to settle and set aside the ccj😁😁

The judge did say that I had 2 weeks to settle an agreed amount so when I got home I called crapquest to pay and the cheeky sods had added £20 which they said was a legal charge😢 Just to draw a line and get them off my back I paid it.

Do I now have to inform the court that I have now paid and if do hie do ai go about it?

Finally thank you all for your valuable help that enabled me to get the result😁😁

fooff

How long does a CCJ remain live for ?

[Deleted User]

fooff wrote: »

How long does a CCJ remain live for ?

6 years unless paid within 30 days of the issue date

moneydragon

Gi all

Can anyone please advise if I need to do anything now that the judge has set a side my ccj ?

I have thus week also settled crapquest amount do the ccj should now go within the next month ����

LordSmug

moneydragon wrote: »

Gi all

Can anyone please advise if I need to do anything now that the judge has set a side my ccj ?

I have thus week also settled crapquest amount do the ccj should now go within the next month ����

Can I ask on what basis you applied for, and were granted, a set aside of teh CCJ, particularly in view of the fact you appaer to have since settled the amount claimed as owed?

PixelPound

moneydragon wrote: »

Gi all

Can anyone please advise if I need to do anything now that the judge has set a side my ccj ?

I have thus week also settled crapquest amount do the ccj should now go within the next month ����

Should be nothing, it's the court that add/remove CCJ's. By getting it set aside it effectively goes back to the claim stage and by paying it there is no longer any debt owed to request a judgement for.