If you have a CCJ, you need to contact the court and have the judgement "set aside" This will then make the court send information to the plantiff and a date for a hearing will be issued. You will then be able to have your 15 mins to argue why you have a CCJ. Oh, and be sure you have the right address I don't think there is a charge for setting aside, don't think I paid anything when I had to do it, but its the only way of getting anything done. If of course you can prove that the CCJ should not be there in the first place, you can request to have it removed. Otherwise, if they refuse and you get stuck with it, its on your credit file for 6 years. Point to note, if you have been at your new place on the electoral role for over 2yrs, then if you have not "associated" your old address with the new address then try and keep them separate! That way the CCJ will remain at the old house.

Oh dear.. Yup, I just got one, Maplins, Hull. Yup i'm going to tell them where to put it. Worryingly it wasn't there when I left the carpark but was there at WORK yesterday!