Hello all, firstly, I want to thank anyone for their time and advice in helping me with this matter, it is truly appreciated.
In 2013 I took out a mobile phone contract while at university.
Due to a number of factors, I withdrew from my studies for two years, and moved from the UK.
I had severe financial issues and neglected to make my phone payments during this time.
I subsequently returned to university in the UK, and very regrettably, didn't think about the phone contract again.
During the time I moved addresses numerous times.
To make a long story short, a CCJ was issued to a previous address.
I was renting a room from my friend at that address, but had moved out when it was issued.
The CCJ never reached me, and only after checking my credit this week did I discover it had been issued (which was sometime in March of last year).
I have done a lot of research on what to do, but it seems like although I never received the CCJ, I should have updated the creditor with details of my address changes.
Being young and dumb, I didn't take the steps I should have and now I live to regret it.
My question is thus:
I have not paid the CCJ yet.
What steps should I take?
I have read about agreeing with the creditor to set aside the CCJ, but what are the steps involved in this?
I have also read that the court will not necessarily agree to set it aside, even if the creditor consents to this.
After many years of university, and overcoming a lot of personal obstacles, I hate to think that because of this CCJ, I will not be able to pursue the career I have studied all this time to go into (which is a career in the legal sector, which I will not be able to enter due to SRA checks).
Again, I truly appreciate any help with this.
I'm pretty overwhelmed, and pretty gutted to say the least.