Firstly I need to say a big thank you to anyone willing to assist on this post, as I really need to know whether it is worh me taking chance on the date of the CCJ being changed to a later date.
My base level choice is:
1) Pay the £100, get it marked as 'Settled' and watch the CCJ disappear from my credit file in June 2011
2) Pay £75, challenge the case as I was never able to defend it and hope I win on appeal....
....but my concern is that if I take the callenge option and lose, will this then affect the date of the CCJ on my credit file and thus delay it being cleared for another 6 years?....I can't afford for this to happen.
The facts of the case....
In August 2004 my old N reg Rover 820 blew up on the M4 and had to be put down. I sold it to a private trader for parts and the SORN was sent.
In December 2004 I got a brand new Jaguar X' Type company car as I couldn't afford/or even get another loan.
In January 2005 I was made bankrupt - relevant to later information
In May/June 1005 (after working away a lot), I received a snotty 'Sort it out & pay a fine' letter from the DVLA
In June......in response to this letter I sent back a response stating that I had sent the form, do not have any paperwork remaining on the vehicle and do not accept the fine.....also pointing out that I had a brand new company car and my property was fully available to inspection and that even neighbours could confirm the approximate date of the removal of the car - bit of an eyesore for about 4 weeks.
In July/August I received notice of an automatic judgement (never received any notification as I believe it was an automatic judgement as I hadn't responded to the case against me. When I phoned the court they gave me 2 choices........Now the hard part.....
......my wife then had severe difficulties with a pregancy, we lost the baby, and coming so soon after the bankruptcy we had marital problems and split for a short while, whilst trying to reconcile.
....whilst this may be hard to believe for some, as a result of this I totally forgot about the judgement, probably not helped by too much sadness induced alcohol participation during the temporary split.
I started a big credit file clean up recently as all the old bankruptcy related agreements were still showing as open balances, but also found this CCJ........sad to say, I didn't even remember I had it until prompted during an enquiry phone call to the court.
I really want to challenge this but also don't want to further extend any issues on my credit file.
....Can anyone help with any advice for me please? Please note that I am on the road for a couple of days and may not get any internet access until I'm home, so please don't think I'm rude if I don't acknowledge any responses immediately.