Phase 1: CCJ Removed. Phase 2: Claim Discontinued. Phase 3: Costs.

Grizebeck

Harvez63 said:

Just going to leave this here

That is just a made up internal number by experian/equifax. Its completely meaningless and not a score lenders see as they all do their own internal scoring
To many people buy into that rubbish. See the credit scoring board

Harvez63

@GrizebeckYes, but its comparative isn't it, i.e. during the CCJ is was 200 of 999 i.e. trashed, now the rating is excellent. Was there to show its gone from very poor to excellent and how satisfying that is after living with it 

Boat_to_Bolivia

Harvez63 said:

@GrizebeckYes, but its comparative isn't it, i.e. during the CCJ is was 200 of 999 i.e. trashed, now the rating is excellent. Was there to show its gone from very poor to excellent and how satisfying that is after living with it 

I'm just really pleased it's all over for you, bar getting your money back.

It's a travesty that these scammers can destroy people's lives in such a way and you are right to enjoy your restored high score. We all know it is a made up number, but I agree, in your case, it's a very significant one. 

Fruitcake

Just be careful that the claimant doesn't come back later and say they did pay the hearing fee on time but there was a court backlog to register it. We have seen some claims resurrected because of this, even when a court order or judgment for failing to pay the fee has been issued.

With regards to your post yesterday where you said this,

"For those that help others, but haven’t had a CCJ, do not underestimate the stress it causes. I was worried if my business slowed, I’d have no access to funds to prop it up. I was worried my car would be taken from me, and so much more. I spent hours researching, and worrying, then finishing work to face my family with a brave face."

Tell your MP, and see if local and national press are interested.

Just a warning though. Whilst my MP responded, he didn't do much other than forward my concerns to other parties which was better than nothing, but never brought it up "in the house" like I asked him to.

Also, I have yet to receive a reply from any journo I have contacted either.

Harvez63

Havent heard anything yet @Fruitcake, wonder when I'm officially 'safe'? BWL paid today.

I will write to the MP again, I did before and was a similar reply you had. But my case now reads on paper like they've absolutely financially clamped me for as long as possible, to back out last second and admit fault. 

Harvez63

Naively thought this was over with, I've just received this is the post today. Clearly the judge ordered "The claim form be reserved at the Defendant's current address by 4pm on 6th March 2023"

B789

So they have re-served the claim to your correct address and you are now back where you should have been when the original claim was served to the wrong address. Everything as per second post in Newbies applies and you respond to the new claim with your AoS and defence.

Harvez63

Does it not matter the court ordered they did this before 6th March?

Grizebeck

Harvez63 said:

Does it not matter the court ordered they did this before 6th March?

This is the small claims track so no this isnt really an issue
just crack on with what you need to do 

Jenni_D

As above ... but add a line into your defence that the Claimant failed to to reissue their claim within the court-mandated timescale. The judge can then consider that significant or irrelevant, but at least you've done your due diligence and highlighted the fact.