Some advice please.
A relative of mine has come to me with a notice of [recovery] from some debt collectors. He appears to have had a default judgment entered against him and the debt looks to have been sold on. What should he do?
Details are that he was caught without a train ticket, gave his name etc but heard nothing more (but moved house shortly thereafter). It seems various correspondence including settlement offers and summons were sent to his old address, and he never received them. Now, the debt collector has found his new address and is after him for the judgment (c£100) and associated fees (c£500).
He’s not worked since March and can’t afford to pay the lot.
I would ordinarily say he should write to the court and ask for the judgment to be set aside, but I don’t know how that works in terms of the sum now being due to a third party.
Alternative could be that he writes to the debt collectors, tells them he’s going to do the above, but offers to settle and tries to reduce liabilities that way.
What does rof think?
Supplemental question, give the debt is sold on, how does he ensure the judgment gets taken off his file when it’s paid?