Nov '25 • Wins
Another WIN this time for Ali
2h • General discussion
GOOD NEWS - another win
BW Legal have given up and sent a Notice of discontinuance to Court.
Briefly - we found out about a CCJ, which we knew nothing about, when my daughter had her mortgage application refused because of it. That was in April this year.
It's taken 7 months to get these barstewards to discontinue.
We filed an N244 to have the CCJ set aside (which it was - Judge accepted we knew nothing about it), then filed our Defence which included an application to strike out.
We sent SAR requests to everyone in the 'chain' - the original court (Northampton of course), SSE, OVO Energy, JCIA (rabid foreign owned 'debt' buyers), CreditLink (who seem to act in the UK for JCIA) and BW Legal (using their FCA accreditation to pursue a foreign owned 'debt'). Everyone got at least 2 x SAR's.
The only one's to reply to our SAR were OVO Energy who basically said we've got no record of you and never supplied you - YET apparently JCIA had 'bought' this non existent 'debt' from OVO 🤔
We let BW Legal know this but still they ploughed on. All the while sending out their threatening 'pay us or else' letters.
BW Legal replied to defence with a load of 💩 and we replied with a Supplemental witness statement in support of our strike out request, and then we received their Notice of discontinuance.
Not sure what happens from here as this is our N244 application to CC. The original order was 'save as to costs', so hopefully we get costs back, but the fact that it had to go this far for a 'debt' that never existed is totally unacceptable.
The stress, worry, hundreds of hours spent doing the research, paperwork etc is obscene and particularly so under the circumstances.
I have to give a HUGE MASSIVE THANK YOU to
for his help navigating this minefield and I can safely say that with his incredible knowledge and expertise we achieved this just deserved result.
This process WORKS 🤗🙏 thank you Peter and everyone in the group who offered help and advice
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Another WIN this time for Ali
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