04/08/2021
CCJ Issued without your Knowledge
Some creditors will issue claims against you at a previous address, or not take sufficient steps to confirm if you are still at that property, where you may be completely unaware of them.
In these circumstances, because you will be unaware of the claim, the court will enter a CCJ against you “in default” simply because you have not responded to the claim.
Many individuals will be unaware of these CCJs for months, or even years, and quite often will only realise when it comes to applying for a mortgage, loan, or anything else that relies on a credit rating.
A court must set aside a CCJ entered in default if the judgment was entered wrongly. There are specific rules that creditors have to follow when sending a Claim Form to you. If these rules weren’t followed correctly and the Claim Form was sent to an incorrect address, the Judgment may be set aside by the Court.
Contact our offices on 0113 433 6015 to discuss your case further.
