Hi,

I recently acquired my credit report from Experian and found that I have a CCJ against me for £330.

After emailing the Scottish sheriff court they advised me it was from a company called 'Templeton Peck' who are actually the' Factor' for my building.

The problem I have is

1. They are now a liquidated company, no one can get hold of them and they are no longer on our Land Register

2. I had absolutely no idea about the CCJ

3. Apparently it was sent recorded delivery however I never signed for anything.

This is obviously affecting my credit rating :S

Any advice would be greatly appreciated

Thanks

Emma

Ahh you have a problem you have found the A team TP + faceman

so its a decree not a CCJ?

dx

Hi Dx,

Well it shows as 'Court Decree (Scotland)' and it has a court date of 19/03/2009

Thanks

Emma

right well as its a decree and you? are in Scotland

it becomes SB'd march 2014 gone dead vanished.

by the time you've waved you arms around about it now

it will be gone.

dx

Ok, well I'm not worried about them coming after me for it.

It's more the fact that its showing on my credit file when it shouldn't be there

Emma

why are you saying it shouldn't be there?

the fact that you knew nothing about it?

dx

That and also the fact that there are no outstanding debts with my factor

Emma

have you lives at the same address covering all the period.

dx

yes

Emma

then something stinks

however by the time you've travelled these roads

the date of march 2014 may well have passed.

theres nothing to stop you asking the sheriffs office what address it was sent too.

and what address is on the decree.

I've found most sheriff office to be VERY helpful.

if you were to p'haps bring this issue up with them

i'm sure they will advise the best route to go.

dx

I think I'll give that a go!

Thanks Dx

Emma

Decrees stay on credit file for 6 years same as CCJs. It's unpaid debts which are statute barred after 5 years in Scotland

Yea, thats why I wanted to get it removed as it's ruining my credit file. One of my colleagues suggested I could make a Statutory Declaration to have the judgement set aside......?

I think in Scotland you have to ask for the decree to be recalled ? ring the court office and ask, as DX says, they are usually very helpful. If you are in the right area you could try the Govan Law Centre for help with the forms

Help

I have just obtained my credit file a couple of days ago because i want to get a mortgage in a few months. There is a decree on my file going back to 2015 which i knew nothing about.

I contact the court to find out more information, they gave my the lawyers details who made the claim on behalf of their client.

It was a debt going back to the mid 2000's for a catalogue, in 2007 to 2008 i was dealing with a debit management company and they were paying all my creditors and speaking with them on my behalf. the company sold the debt off to a debt agency in 2010 or just later, I have not made any more payments since 2008 as no one ever chased me again for the money, the lawyer told me that I made a payment of £2 in 2010 and i said that is rubbish, i didn't pay anything cause no one chased me again.

They said because i made payment in 2010 it means they have up to the 5/6 years to still pursue me through the courts, i said yes had i made that payment but i did not. They had old numbers and email and home address for me that is why i didn't receive the court papers or anything.

Can i still have the decree recalled?

I didn't make anymore payments to them from 2008 or contact.

Thanks

Gemma

best to start a new thread

this one is 5yrs old

dx

Hi Gemmag84 and Welcome to CAG

Better to start your own thread on this matter rather than tag onto another posters...which is 5 years old.

Regards

Andy