Unknown CCJ

Hummingbird1234

Hi,  I have been issued with a CCJ against me.  After taking advice, i have filed a N244 form and investigated further as to why this has happened as i have (had) a high credit score, no bad debt and no late payments.
Digging about I found that the company filing it are using an old credit card account that was closed and removed from my credit file in 2018.
I have proof of this which i have sent to the courts to accompany the 'defense claim'.   
My question.... can a debt company claim/chase money on closed accounts that are no longer on credit files or are they just clutching at straws?   Its been so distressing trying to sort this mess out.   My credit score has already taken a nose dive and i had no idea what was going on until i checked my credit report.

fatbelly

Yes, because you are expected to defend the original claim.

I'm guessing they took out the claim at a previous address and so you did not get chance to defend it, which is why you are now applying for set-aside on an N244, and then defend the claim.

If you can show that you paid the original account to zero then you should be OK.

The original account being closed on your credit file does not necessarily prove that you paid it, as this is what happens when a debt purchaser buys the debt.