Is it legal for 1 CCJ for 2 separate agreements with different companies?

Angrycarbuyer

By legal I mean is it correct procedurally. 

I want to include in my draft defense on an N244 application that the claimant has claimed for two separate agreements that are for 2 unrelated creditors with totally different products and services under the same CCJ. Is this not a breach of protocol for the bulk service? 

I mean if this is fine, why stop at 2. Why not just buy up a bulk of someones 6 year debt history and fire off 1 CCJ that would probably need multiple hearings to defend and make the claimant almost certainly need legal representation to make sense of it. But thats conjecture I suppose. 

Anyone in the know about these things who can comment?  

fatbelly

I've seen Lowell start to do this on debts they have bought, and I suspect the courts would not greatly object and might even see it as favourable as there will only be one lot of court costs.

Where I see it as problematic is where the defendant may have a legitimate defence to one part as it would then get very complicated for the claimant and the court.. 

For example, a breach of the Consumer Credit Act where one debt is under the CCA, one isn't

and where one debt may be statute barred and the other not.

I think what you need to do is follow the guidance on 

https://legalbeagles.info/forums/forum/legal-forums/court-claims-and-issues/received-a-court-claim

(click on first steps) and put in as many defences as you can

Angrycarbuyer

Thats pretty much the situation I'm in @fatbelly I actually don't owe one of the debts. One I'm not so sure on. Annoying. 

fatbelly

Defend the hell out of it. Throw everything you can at it. They've actually made their claim more difficult by combining the two debts. Lots of good advice on legalbeagles