CCJ/Court wrong information on debt issue

SteamingRain

Hi, I'm hoping I'm in the right place here. I had a loan with Barclays Bank years ago which I defaulted on. It was sold on to various companies and last year I received communication from one saying they were taking me to court to issue a CCJ. I received paperwork from the court to my previous address and the information about the debt says it's a Barclaycard credit card including a very dubious looking letter from Barclaycard. 
I wrote on the court forms firstly that my address is wrong and corrected it, they've still communicated all court documents to my previous address.

Secondly I wrote that I can't admit to the debt because I have never had a Barclaycard for that amount or that account number. The only Barclaycard I had was significantly less and the account number is not the same. I think they've mixed up the loan and credit card. However I do not want to admit to this and pay it off for them to then come back in future with the loan details correct saying I haven't paid it because technically I wouldn't have paid towards to the loan debt, it would have been paid to this phantom credit card debt.

Is anyone available to help with this?

I am not in employment, I am a carer for my disabled husband and children. I do not have the money to pay so it would go to court and I'd get another CCJ with minimal payment that I'd be paying off forever. I already have a few and I also have a lot more debt that's not being dealt with that I'd really like to get on top of once and for all. But my immediate concern is this loan that I am now being summonsed to court in London, despite me saying I am autistic/disabled and can't travel far so would need to be seen in a local court. London is a 2 hour train ride away and then navigating my way to wherever it is in London. I really struggle with public transport and being in places I do not know.

Thank you.  

ManyWays

Can I ask if you are buying or renting and if you are renting, private or social tenant? 

fatbelly

The court hearing should be held at the nearest court for the defendant, which is you.

You are going to need to contact the court to get it moved.

SteamingRain

ManyWays said:

Can I ask if you are buying or renting and if you are renting, private or social tenant? 

Private renting.

ManyWays

Then I think you should talk urgently to a debt adviser about a Debt Relief Order to clear all the debts, including this one that is being taken to court.https://nationaldebtline.org/
National Debtline can also advise on getting the case transferred to your nearest county court, but if a DRO is your best option then it makes very little difference if there is a CCJ or not, in either case it will be cleared by the DRO.

SteamingRain

ManyWays said:

Then I think you should talk urgently to a debt adviser about a Debt Relief Order to clear all the debts, including this one that is being taken to court.
National Debtline can also advise on getting the case transferred to your nearest county court, but if a DRO is your best option then it makes very little difference if there is a CCJ or not, in either case it will be cleared by the DRO.

I did look into this and it's not an option because I private rent, it would affect my tenancy agreement. 

I was trying to ask for advice on the debt (but think I got sidetracked and wasn't clear) because it doesn't have the right information and surely that can't legally be on court documents? I don't know how to prove the debt isn't real. 

sourcrates

Its common for debt purchasing companies to add two debts together from the same creditor, say a loan and an overdraft or a credit card and a loan, it makes things easier for them, but also means they can`t provide evidence of the debt as that account with that balance never previously existed.

Its perfectly fine for them to do that, I`m unsure at what stage in the legal process you are, I`m guessing they have summoned you to appear to answer questions?

SteamingRain

sourcrates said:

Its common for debt purchasing companies to add two debts together from the same creditor, say a loan and an overdraft or a credit card and a loan, it makes things easier for them, but also means they can`t provide evidence of the debt as that account with that balance never previously existed.

Its perfectly fine for them to do that, I`m unsure at what stage in the legal process you are, I`m guessing they have summoned you to appear to answer questions?

When I looked at old paperwork, Barclaycard and Barclays Bank are 2 separate companies. The details like account number are for the loan and the amount is about right, slightly higher for their continuing costs, but they've said it's from Barclaycard and included a fake letter from Barclaycard to say about the debt. They've provided no paperwork from Barclay Bank who the loan was with. I have my original agreements and all paperwork, including statements and defaults, are from Barclays Bank.  
I received CCJ paperwork which I responded to say I hadn't heard from the company about this, I then received a pack from them with the false info in. I responded to the further court form to say my address was wrong and the debt information was wrong. I now have a 'Notice of allocation to the small claims track (hearing)' letter from the court (still to my old address). 

sourcrates

They are two separate companies yes, but once the debts default, the company can merge two accounts together to make a 3rd, as I said before, this account will have no legal paperwork, so obtaining a judgment might be difficult for them because of this.

Debt purchasing companies do this all the time, its very commonplace.

This is the issue you should concentrate on as it may get you off.

@fatbelly thoughts on this???