Unknown CCJ found - Old address issued at (6 years plus)
Im trying not spam up threads with the same posts so I’ll try and keep everything really simple as just looking for best course of advice.
Over weekend from checking my credit report I discovered a CCJ:
- Issued – July 2023
- Address showing CCJ issued at – an old address I moved out of in 2017
- Time at current address – 6 years plus
- Court Name: Civil National Business Centre
From spending all weekend researching I was half expecting it to be for one of these private parking firms, however having managed to get through to CNBC this morning on the phone they have confirmed the claimant is Thames Water via a legal firm called TMS Legal Services – Blyth. I do not have the details of the why the claim was made, just the details of the claimant and their reference number that was all they gave me.
I have been a customer of Thames Water for the last 6 years plus at my current address, I was not a customer of Thames Water before this which is really strange. I have never missed a payment with Thames Water in the 6 years plus I have lived here and can’t understand why a CCJ would be issued by Thames Water, even more so why an old address of 6 years is on there.
I will be looking to set aside this CCJ with the court and
will shortly look to complete the N244 form.
Ive been trawling through the newbie threads and previous posts by
people but wanted to clarify the best next steps to take.
My first step was to contact CNBC to get the claimants
details, should I call them back to try and get info about the claim itself?
Should I contact the claimant to ask about the claim? Look to make an SAR? And advise I will be looking to set aside?
Should I go ahead with completing the N244 form and request it is set aside?
I cant understand why Thames Water would issue a CCJ on me,
I wasn’t a customer at that previous address and they could easily trace me to
my current address as everything is in my name registered at my current
address. I don’t know what the claim is
for and, I haven’t been able to fairly have the chance to defend myself either
and the judgement has gone against me.
Do you think before I complete the N244 form I should
attempt to get details of the claim and what its about from the claimant? Im just trying to work out the best reason
for requesting it set aside by the judge without bombarding them with lots of
different reasons and having my application rejected.
I apologise in advance for any silly questions, am just really keen to make sure i follow everything correctly to give myself the best chance to have this set aside, I cant understand why I would have this issued to me, especially given ive been their customer for nearly 7 years at my current address, even speaking to them on the phone on occasions and they have never mentioned anything about any debt/s.
For the record i have not been in any financial trouble and have and continue to pay everything on time.
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