Gustavo's Diary

[wineaddict2020]

Account owner – Lantern Debt Recovery

• Type of account - Loan (Savvy)
• Date commenced – October 2024
• Approx balance - £2262
• Date last 'full' payment – Jan 2025
• Arrangement – None
• Status – Defaulted February 2025 / Not paying

November 2025 - Final demand before proceeding letter
January 2026 - CCJ claims letter received

I opened my mail over the weekend, noticed a CCJ claims letter issued 06 Jan 2026 I guess to 14 days response time is overdue is there anything I can do or is it too late?

Is the CCJ claim letter from the lender or the court? If it is from the court you need to take action asap to prevent getting a CCJ. I would recommend getting advice from Joanna Connelly solicitors. If it is from the lender / debt collector I have been advised to ignore until I actually get something from the court.

[Gustavo]

Account owner – Lowell

• Type of account - Credit Card
• Date commenced – May 2023
• Approx balance - £1384
• Date last 'full' payment – May 2025
• Arrangement – None
• Status – Defaulted August 2025 / Not paying

December 2025 - Letter considering legal action

[Gustavo]

Account owner – AJJB LAW

• Type of account - Credit Card
• Date commenced – December 2023
• Approx balance - £612
• Date last 'full' payment – Feburay 2025
• Arrangement – None
• Status – Defaulted July 2025 / Not paying

December 2025 - Letter before claim received

[Gustavo]

Account owner – Lantern Debt Recovery

• Type of account - Loan (Savvy)
• Date commenced – October 2024
• Approx balance - £2262
• Date last 'full' payment – Jan 2025
• Arrangement – None
• Status – Defaulted February 2025 / Not paying

November 2025 - Final demand before proceeding letter
January 2026 - CCJ claims letter received

I opened my mail over the weekend, noticed a CCJ claims letter issued 06 Jan 2026 I guess to 14 days response time is overdue is there anything I can do or is it too late?

[Timewilltell]

Ooooh the freedom, congrats.

[Gustavo]

Hi all,

Thank you all & Joanna Connolly Solicitors for the great help and advice.

Without even knowing the 6years mark, had past on 6 debts I had defaulted on which have all come off my credit file. Truly happy I went with the waiting game and sat on my hands lol, having the majority of my debts cleared of to the statute barred way is a big relief.

Currently have two CCJ's which I'm sure, Joanna Connolly Solicitors will help me with.

I will continue to update my diary as I go along, once again thank you.

[Joanna Connolly Solicitors]

Big thank you Diana Mayhew and the team

Always happy to help

Di

[Timewilltell]

Nice! And nice work by the unsung hero’s.

[Gustavo]

Account owner – DWF Law

• Type of account – Unsecured loan/Santander
• Date commenced – September 2014
• Approx balance - £33000
• Date last 'full' payment – Ocotober 2014
• Arrangement – None
• Status – Defaulted April 2015 / Not paying
• CCJ filed date – July 2015, CCJ obtained at an old address

November 2020 - CCJ set aside order obtained

Big thank you Diana Mayhew and the team

[Joanna Connolly Solicitors]

Sorry that was a typo meant DWF, now amended this in my original post. From the info I gathered after speaking to the court, the served address used was a previous address, I'm 100% sure I changed all my address details to the new one prior to moving out.

Sadly it's not uncommon for a claim to be issued/served on an address which the debt owner knows has been vacated. It can be deliberate. We'll see.

I would think for a claim of this value they should have checked.

Di

[Gustavo]

Hello

(I've replied to your earlier email.)

If the claim for this Santander loan was served on an address where you no longer lived at the time then an application to set it aside may be the way forward.

Has this debt, and the associated CCJ, been assigned or is Santander still the owner because I don't recognise DFW Law in the UK? However there is a firm called DWF which has offices in the UK.


Di

Thank you for the reply, I have also sent you a email back.

Sorry that was a typo meant DWF, now amended this in my original post. From the info I gathered after speaking to the court, the served address used was a previous address, I'm 100% sure I changed all my address details to the new one prior to moving out.

[Timewilltell]

DWF is the solicitors that were used by defendants in my road accident case 12yr ago. They worked on behalf of Aviva at the time. Very slick had me followed within weeks of accident.

[Joanna Connolly Solicitors]

Only noticed the CCJ last month, yes the original lender was aware of my new address when I moved out, registered with the elector roll since moving out.

Original lender is Santander so I guess it's regulated?

Hello

(I've replied to your earlier email.)

If the claim for this Santander loan was served on an address where you no longer lived at the time then an application to set it aside may be the way forward.

Has this debt, and the associated CCJ, been assigned or is Santander still the owner because I don't recognise DFW Law in the UK? However there is a firm called DWF which has offices in the UK.


Di

[Gustavo]

Were you aware of this CCJ at the time the claim was issued. If not were they aware you had moved?

Was this an unregulated debt or is a chunk of the money owed doe to forward loaded interest?

Only noticed the CCJ last month, yes the original lender was aware of my new address when I moved out, registered with the elector roll since moving out.

Original lender is Santander so I guess it's regulated?

[Warwick65]

Account owner – DFW Law

• Type of account – Unsecured loan
• Date commenced – September 2014
• Approx balance - £33000
• Date last 'full' payment – Ocotober 2014
• Arrangement – None
• Status – Defaulted April 2015 / Not paying
• CCJ filed date – July 2015, CCJ obtained at an old address

Were you aware of this CCJ at the time the claim was issued. If not were they aware you had moved?

Was this an unregulated debt or is a chunk of the money owed doe to forward loaded interest?