is it going to take 6 years?

if i choose to ignore it when its going to be removed from the experian file. Thanks

Could you please advise if we ignore this ccj In that case when its going to be removed from the credit file ? Thanks

my husband left the job in nov 2009. And the over payment accured in 2008 about same month. Thanks

As i have mentioned earlier i have lost that letter . Please suggest how can obtain a copy of that letter. From court or from sainsburys. Thanks

we have received only one letter from the court and after that nothing.I didnt know about the ccj until today. And the letter didnot say that its a summon or we need to attend court. It only mentioned that sainsburys has filed a case against my husband. My husband is not working,we dont owe a house either. and please let me know if we dont pay ccj when its going to be removed from the file?Thanks

he was getting paid on hourly basis and supposed to get salary after he signed of. HR manger had accepted his mistake and told my husband that he can lose his job over that.

our financial position is not very good at the moment . What would happened if we ignore this debt. Is it going to cause further problems for example bankrupcy or any thing else. and how long it will take to be removed from the credit file if we dont pay it. Thanks.

There are few things i need to clear here, while my husband was on training he was doing a lot of over time and he thought that he is getting paid for that but latter the HR manager said that over time does not count towards the salary. And he was not a signed off duty manager at that time . The hours showing on the salary slips was correct and the wage rate was also correct. It was only that instead of salary they were paying him on hourly basis. Thanks

I have read on one site it says that if you have ignored the letters from the court than you can have a problem to apply for setaside. thanks

Is ignoring the letter from the court in the past going to be a problem if we apply for setaside.Thanks

I have found the case id. and also please explain to me why it appears on the credit report as outstanding public report ,is this same as ccj? Sorry if I am asking a totally silly question.Thanks

I have lost that letter and dont know the case number. Any advise how can i get hold of all the documents or should I SAR to the company? But my husband has ignore the letter from the court is that going to be problem? Thanks

The judgment has been given in 2010 in my husband's absence. should i wait for it to become statutory barred?Thanks

I wanted to pursue this matter only if there is a chance that i will win the case. please advice.Thanks

My husband used to work at sainsbury's while he was a trainee duty manager his company has over paid him for four months and after four months he has been called into the office and HR manger has told him that he has been over paid for four months and that was not my husband's fault and requested to pay back the over paid salary by monthly instalements the figure was 4500 pounds. He requested my husband if he wont pay the money back to the company than the HR manager would lose his job. My husband has agreed to pay 75 pound every month deducted from his salary. After one year my husband has resign from the company. They have deducted his whole salary. and after few months they send him the letter from the court that he owe them 3700 pounds and they are going to take court action which my husband has ignored straight away. The money he owed was stated as a personal loan on the letter. Today he was checking his credit report and saw that debt as a ccj. now first of all my husband has never taken any loan from them and never signed any documents it was their mistake that they have over paid him while he was a trainee duty manager and was not trained in payroll as well. Please advise what can I do to challenge them and get that ccj removed from his file. Thanks

Thanks.

I didnt have any loan repayment statement with me and yesterday i have called welcome finance and ask them to send me one.Is it going to cause any problem for me? Thanks

Oh, Thanks you very much. Just one question I have paid my last installment in sep 2006 but they have put a default on my account on april 2007 , so when am i supposed to send them the statutory barred letter. Thanks

Thanks, I havnt filled up the claim form yet and did not send it to them either I have just requested a form from FSCS. Once I received the form I will ignore that. is that what you meant to say? Please advise if requesting a formfrom FSCA counts towards the acknowledgement of a debt? Thanks again.

ok i wont apply for PPI but I have already send them a request by post to send me the claim form but havnt received it yet. Its been suggested earlier that I can apply for PPI. What to do now?

Should I claim PPI Or not? Does it count towards the acknowledgment of the debt.

Just to let you know I have given them my current address yesterday. How foolish of me.can i still apply for ppi . Thanks

Thanks you very very much. I really appreciate all your advise. Just one question as i have called Welcome finance and DCA yesterday and given them my current address is going to be a problem toward the debt becoming statutory barred. Thanks a lot once again. You guys are so helpful.