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I have no mail re-direction, the property in question is currently on the market to sell.
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There were over 1.1 million County Court judgments in 2016/2017, of which the vast majority – 85% – resulted in a default judgment.The creditor only need take "reasonable steps" to find you such as an letter to the last known address. After that it's "game on".
Your decision whether to give them your new address or pay for redirection or pay.
It's a good case to be able to highlight the risks of not engaging for others that might read this. Appreciate the chance to bring this issue (default CCJ's) to others.- All land is owned. If you are not on yours, you are on someone else's
- When on someone else's be it a road, a pavement, a right of way or a property there are rules. Don't assume there are none.
- "Free parking" doesn't mean free of rules. Check the rules and if you don't like them, go elsewhere
- All land is owned. If you are not on yours, you are on someone else's and their rules apply.
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If you've had a formal pre-action letter, here is some guidance on replying to it.
https://debtcamel.co.uk/letter-before-claim-ccj/
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Thanks for that link.
I am confused though as some people have suggested it's 'my' debt even though the furniture company said it's between me and my ex?0 -
Based on the information you've provided it is. So is the information wrong?
There may have been two contracts. One for the furniture based on an order/quote and one for finance. The same question applies which is whose name and whose signature. If it is single name/single signature on both then there is a single debtor.
If you want to run a "what if" then if they were to raise a claim for £400 against you, and you defend on liability for half, and you prove the case, then you would be in for £200 plus £100 costs as the debt is admitted, it is only the proportion in question. So do you want to take it that far?- All land is owned. If you are not on yours, you are on someone else's
- When on someone else's be it a road, a pavement, a right of way or a property there are rules. Don't assume there are none.
- "Free parking" doesn't mean free of rules. Check the rules and if you don't like them, go elsewhere
- All land is owned. If you are not on yours, you are on someone else's and their rules apply.
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I heard from from their debt controller and he said:
There is no credit agreement in place as your order is not subject to any finance, however I have attached the order form (the contract).
I'm so confused and don't really have £200 to waste on trying to sort this.
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however I have attached the order form (the contract).You can have an order in the name of more than 1 person (joint liability) but only signed by one person (signing on behalf of the parties, if authorised).
You can have an order intended for 2 people but in the name of 1 and signed by 1.
Same question again. Whose name is on the order? Who has signed the order?
- All land is owned. If you are not on yours, you are on someone else's
- When on someone else's be it a road, a pavement, a right of way or a property there are rules. Don't assume there are none.
- "Free parking" doesn't mean free of rules. Check the rules and if you don't like them, go elsewhere
- All land is owned. If you are not on yours, you are on someone else's and their rules apply.
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I'm looking at the contract now, the correspondence address has my name and address shared with my ex, but it was signed by my ex with her name.0
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LavenderLamb101 said:I'm looking at the contract now, the correspondence address has my name and address shared with my ex, but it was signed by my ex with her name.You can have an order in the name of more than 1 person (joint liability) but only signed by one person (signing on behalf of the parties, if authorised).you defend on liability for half, and you prove the case, then you would be in for £200 plus £100 costs as the debt is admitted, it is only the proportion in question. So do you want to take it that far?You could challenge the debt on the basis that the signature is not yours and try your luck at court. You have a Pre-Action letter and Fatbelly has given you a link on what to do.
If it does go to court, it will be 50/50 on £500 i.e. the whole £400 plus £100 costs under joint liability or nothing if you win.
- All land is owned. If you are not on yours, you are on someone else's
- When on someone else's be it a road, a pavement, a right of way or a property there are rules. Don't assume there are none.
- "Free parking" doesn't mean free of rules. Check the rules and if you don't like them, go elsewhere
- All land is owned. If you are not on yours, you are on someone else's and their rules apply.
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Thank you for your assistance.
I'd like to think a court would see i'd paid my half, and make my ex cough up.
They claim the payment needs to be completed by 2nd July...if either of us fail to do so how quick is court action?0
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