my credit score had plummeted.

I used Clear Score to do a bit more digging recently and found a CCJ for £316 in April of this year.

I am now assuming this is some sort of PCN for the same car, after I had sold it.

This is very stressful for me as I already suffer with anxiety, currently have a 4 month old baby and have a mortgage.

I know I cannot defend myself against the CCJ by applying for a set aside as they will just argue that the whole situation is my fault.

My question is,

has anyone ever been able to negotiate with the original creditor?

I'm wondering if it's possible that I pay the CCJ in full but that they might have the power to remove it from the Public Register.

I'd even pay more if it meant that it would go away.

Do they even have the power to do this?

I feel I have suffered enough for a very silly mistake.

Yes, I know I have made a mistake.

Yes, I know I've been ignorant.

I'm already very upset and beating myself up about it as it is.

So, I please ask that there are no comments making me even more aware of this.

I've removed all the stuff about the car its irrelevant to this thread.

you have the CCJ number

go ring northants bulk and ask for a copy of the CCJ & the Claimform to email PDF.

nothing much yo can do till you findout what the debt was all about

and unless you have proof that you sent the original creditor or the claimant of the ccj [bet its a dca]

your new address theres nowt you can really do about..paying it wont remove it

its there for 6yrs regardless.

you need a reason to set aside the CCJ

and

a defence for the original claim

for a set aside to be successful.

dx

Ok, thank you for your help.

My current mortgage lenders selection criteria allows one CCJ below £500 that has been settled for at least 12 months, so by the time we want a new rate, we should be fine!