How to deal with this situation with a debt recovery agency?

[Taipan]

Here you go TP. How CCJs get issued (by Default Judgement) due to address changes when people don't respond.

https://www.frettens.co.uk/site/library ... s-ringwood

Despite the fine legal advice provided up there ^^^^, the one thing absolutely NOT to do is ignore it (telling them to go forth an multiply isn't likely to be an improvement on ignoring them).

She deffo isn't ignoring it. She's replied to the DRA outlining the situation and is contacting NCP too. I'm waiting on an update from her.

Thanks to all for the advice so far.

[Yorick]

Do folk still worry about credit rating?
Thought that was only for kids who need mortgages and loans?

She is a 25 year old kid who does need mortgages and loans!

Sorry. It was a generic question. Not aimed at anybody.

Sorry for confusion

[Mussels]

CCJs need a Court, and that means you get notice and a chance to enter a defence. And the damage to credit rating really starts AFTER a CCJ. Up to that point it is just a disputed contract issue.

Further to that I found you get a period after the court grants the CCJ that it can be paid without going on your credit rating.
The VAT man slapped one on my company that hadn't traded for five years because I didn't pay their tax estimate. I just ignored it and shut the company down.
That won't help much if the CCJ was at an old address, I got caught out a few years ago like that when I didn't know there was a debt to pay but that didn't go to CCJ.

[Cousin Jack]

That won't help much if the CCJ was at an old address, I got caught out a few years ago like that when I didn't know there was a debt to pay but that didn't go to CCJ.

If you get a CCJ after court notices have been sent to the wrong address you can get it set aside, with a new hearing and a chance to enter a defence.

[Count Steer]

That won't help much if the CCJ was at an old address, I got caught out a few years ago like that when I didn't know there was a debt to pay but that didn't go to CCJ.

If you get a CCJ after court notices have been sent to the wrong address you can get it set aside, with a new hearing and a chance to enter a defence.

Which requires you to submit an N244 with a court fee of £303. (It can be less if both parties request the judgement to be set aside).