I received a county court judgment when esure failed to answer my calls
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I tried to contact it over a claim for four months, and then received a default notice for £11,000. I had a collision last year and admitted fault. My car was written off and my insurer, esure, promptly paid up. Four months later, I received a letter from a solicitor acting for the other driver’s insurer threatening legal action unless I paid them £10,000 within seven days. I was told that esure had failed to settle the claim. I tried to contact esure, but my calls remained on hold and emails went unanswered. Then, after a further four months, I received a “judgment in default” notice for nearly £11,000.
![[Anna Tims]](https://i.guim.co.uk/img/uploads/2018/01/08/Anna_Tims,_L.png?width=75&dpr=1&s=none&crop=none)
It turned out notifications of legal action had been sent to the wrong address and, as a result, I had been issued with a county court judgment (CCJ). This caused extreme anxiety, worsened by the fact that esure couldn’t have cared less. Still they did not answer my calls or emails.
It took a month for it to settle the CCJ but, four months on, I’m still waiting for it to be cleared from my credit record. My credit card limits have been slashed and I can only access higher-rate mortgage deals. CG, Huddersfield. Alarmingly, it’s not as uncommon as it ought to be to find a CCJ has been issued in your name without your knowledge. Usually, it’s because the creditor sent the summons to the wrong address, as in your case. Occasionally, they mis-trace the debtor, and an unwitting stranger is found liable in absentia.
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