I thought I'd come on here to get this off my chest (i.e. have a little whinge) and see what people here make of the situation I found myself in yesterday.
First, a little timeline:
April 2012 - May 2013 we (my wife and I) lived in Crewe
May 2013 - December 2013 we lived in Rugby
December 2013 - March 2019 we lived in Spain
March 2019 - Now we are back in the UK in private rented accomodation
We've decided to stay here in the UK so have been looking to buy a property rather than keep paying rent.
We arranged a "mortgage in principle" with TSB then off we went property hunting.
We found somewhere we liked, had an offer accepted and found ourselves a solicitor.
We then went down to the local TSB to do the mortgage application proper.
A couple of days later (yesterday in fact) TSB contacted me to say that I had a CCJ registered against me in September 2016 at the Crewe address for £555 and as such would not be prepared to offer us a mortgage.
We nearly fainted!
Off we went and signed up to Checkmyfile to see what was what and sure enough there is the offending CCJ which we new nothing about.
As far as we were aware, when we moved from Crewe everything was settled as far as outstanding debts were concerned, and we redirected our mail for 6 months to our new address in Rugby. At no time did we receive any payment demands from anyone and certainly no court documentation. Again when we left Rugby for Spain we settled everything before we went.
I'm at a loss to explain how I have incurred this CCJ, or more importantly a £555 debt without being aware of it.
I also find it difficult to believe that someone would wait almost 3 and a half years to register a claim in the courts against me at an old address.
Are people really that slow in doing these things?
Isn't there some kind of time limit?
I now have a case number so will be contacting the courts first thing Monday morning to try and find out who thinks I owe them money.
Could this be fraudulent activity, or some really slow debt collector?