It’s a solicitor based in Edinburgh, Morton Frasers. This was the email I received direct form Dumbarton court this morning Hello Nelly You would contact the Pursuer's solicitor. The court does not need to be advised in respect of payment. Once the Pursuer's solicitor provide you with a letter of satisfaction you will then contact Registry Trust (020 7380 0133) with a view to having your credit record updated accordingly. Regards Ruth

I didn’t no. She said it’s a decree in Scotland but shows as a CCJ on file. I’ve contacted the solicitor who dealt with it as if I pay saas direct i won’t be able to get a certificate of satisfaction . It needs to be paid to the solicitor who dealt with it, no doubt to charge me more money.

Dx It says on my credit file type - country court judgment status -Active

Hi dx100uk I am and was resident in Scotland at the time that it was issued. I’m not sure as the only correspondence I remember having was when they wrote to me to advise I would need to pay them back this was around May 2014 then set up the plan with them in August that’s what the girl I spoke to today told me from my saas file. I have no paperwork now from the court. I spoke with Dumbarton Sheriff court today.

Hi Fkofilee Thank you for replying to me. I had replied a big message and it hasn’t posted ��. It was the student awards agency who issued it. I was in a repayment plan with them from August 2014 and the CCJ was issued in Nov 2014. I spoke with saas today who advised less than £2000 is outstanding now which I can settle. I’m just wondering if it will make any difference in file settling it after 4 years and not when it was issued. I thought it might be far too late to challenge the CCJ. I spoke with the court who issued it this afternoon and explained I had already arranged a payment plan direct before the order was issued, she said she would look into it and get back to me. Nelly

Hi all. I am completely new here and just looking for some advice please. I bought a house in 2015 with no issues all went through with no problems. I went to view a new house on Sunday and approached a mortgage advisor who was going to go through our finances etc and see affordability for the new place, financially i knew it wouldnt be an issue. The advisor contacted me today to advise that I have an active CCJ on my account from 2014. And that due to this he couldn’t get us the mortgage that we needed. I download my credit report and there is a CCJ which I have never seen. My credit score is in the excellent category so I never had any idea that anything was wrong, I’ve never been refused credit in the time since it has been issued. I contacted the court who issued it today and they advised the company who lodged the case, I called them as I was already in a payment plan with them months before the date of the CCJ being filed. They have advised that I can settle the balance and the CCJ will show as satisfied which is better than active. Does anyone know if It’s too late to dispute the CCJ after 4 years of it being on file as I was making regular monthly payments to the student loan company before it was actually issued I did receive papers asking if I agreed to the amount owed and I stated that I did and was already in agreement to pay it back, i then received a letter advising to continue with the arrangement - no mention of a CCJ being issued. If I pay the CCJ and it shows as satisfied does this make my chances any better of securing a better mortgage or is it a lost cause now. Thanks for taking the time to read. Ps sorry if I’ve done this wrong or it’s posted in the wrong section . Nelly