Hi Thanks for responding so quickly. Would it be an idea to get the CCJ set aside as I have proof I had left the address the CCj must have been delivered too? I have a few questions regarding CCJ set aside: Would I have to appear in Court? Would I be ordered to pay it all at once as im on benefits? Would the court costs that were put on top of the debt be taken off? Thanks again.

Hi guys I have an old Kays catalogue 2010 that is on my credit report and has had a CCJ applied 2014. I took the catalogue on from my mum originally but never signed an agreement. I then ended up moving house twice and knew nothing about the CCJ until now. What do i do? I could either get the ccj put aside which i think i have to do a n224 form for and comes with a fee. Question will i have to go to court to set it aside as im a nervous wreck. My other option would be to challenge the debt because its not signed. I dont have a credit agreement so i cant check whether there are any loop holes. If i do this has anyone got a draft letter they could provide me as i havnt a clue about laws and stuff like that. if anyone chooses to reply please bear in mind im not very good understanding legal stuff Thanks for looking x