Hi everyone, im looking for some advice about a CCJ i received last week, against my ex husband and myself. (our divorce finalised in july) It was sent to our old address and forwarded on to my by the landlord (3 months after it was sent!) All the letter says is that there is a county court judgement being passed to our local court. My ex is the first defendant, the debt is with Black Horse Finance.
I spoke to the local court as no info on the letter. They explained that there was a loan taken out in april 2008, i did not take this loan out with my ex, did not sign for it and have known nothing about it, so the letter was totally out of the blue.
The total amount owed is just over £6500, the court suggested that the loan was probably for around £5000, however with all the charges and interest this is the amount they are looking for.
I left him in october last year, and assume this is when he stopped making repayments and this has led to the county court judgement, i had never seen any paperwork or anything of that nature for the black horse.
I have spoken to him he has not exactly been forthcoming with any info about it, we split on bad terms.
The court/black horse aernt looking for me yet as he is the first defendant, they have contacted him, tried to do an attatchment of earnings order, however he gave them a incorrect address, the court then added another £100 to the debt. He is currently unemployed, i work full time.
What do I do now? The court said I could apply for the county court judgement to be set aside but what does this actually mean? Who do speak to to say that I didnt sign for this loan in the first place? (i assume he has forged my signiture) And how would I prove that?
Any advice would be greatly appreciated, as i really dont know where to start, it has been a very big shock and i am in no position to pay back a loan that i didnt even know about/have in the first place.