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2 CCj's on the same debt
S00307
Posts: 3 Newbie
Back in 2010 i had a few financial problems which resulted in me defaulting on a EGG credit card and a ccj was issued ,the debt was then purchased by a debt purchasing agency in 2014 , in 2015 a second CCJ was obtained by the debt purchasing company for the same debt. Is this legal to have 2 CCJ's for the same debt ?
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Comments
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If they applied to the court to have it again then yes of course0
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I am not sure that is correct. I thought you could only get one CCJ per account. Is it possible that the DCA who purchased the account did not realise there was already a CCJ on the account? I think the new debt owner should instead apply to the court for the original CCJ to be enforced. Or maybe that has already happened and is causing confusion?I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
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The 1st CCJ had not expired , it was less than 6 years old the debt purchasing company used there own internal reference numbers instead of the egg account number to get the second CCJ and then marked on my credit file that the original Egg debt was settled and a new entry for the same debt and amount plus court costs under there name. I have paid off the debt in full and now debt free,recently i came across some old paperwork which made me think why should i have to pay a second lot of court fees0
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A quick search reveals similar cases have been upheld in court, and others have been successfully set aside.
It appears to depend on which judge is sitting.
Is either judgement been chased at all ?
Edit, just seen above.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
The 1st CCJ had a charge on my propery attached to it0
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You apply for a set aside and make sure you ask for your costs.
Why did you not defend the second CCJ? Was it sent to an old address?Unlike some here, I am not omniscient. If I am wrong correct me. I won't take offence.
The law is like an ocean - have a swim but don't drown.0 -
Interesting
After the EGG card I defaulted on fell off my credit file I requested the CCA (card taken out in 05) and they couldn’t find one. Received a letter saying the debt was still there but they could not enforce it.0
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