Moorcroft debt recovery and the dreaded CCJ

[develash]

I have been trying to deal with this issue for over a week now, and have had no help to sort out the outcome.

 

Basically I have a default on my credit report from O2. Fair enough I had an pay monthly phone and didnt pay the debt, so I hold my hands up and am willing to pay the debt back to O2 exclusively.

 

I have also seen I have a CCJ issued by Northampton CCBC by MOORCROFT DEBT RECOVERY on behalf of O2.

 

 

I am more than happy to pay the debt back to O2 directly but only on the following conditions:

 

1. O2 REMOVE DEFAULT FROM CREDIT REPORTS

2. O2 SATISFACTORY REMARK ON CREDIT REPORTS

3. ACCEPT MY OFFER OF MONTHLY,REDUCED NO INTEREST PAYMENTS

4. TO GET IN TOUCH WITH MOORCROFT DEBT RECOVERY AND NORTHAMPTON CCBC TO GET THE CCJ REMOVED.

 

 

Do you think I am likely to get this sorted?

[bha100]

I have been trying to deal with this issue for over a week now, and have had no help to sort out the outcome.

 

Basically I have a default on my credit report from O2. Fair enough I had an pay monthly phone and didnt pay the debt, so I hold my hands up and am willing to pay the debt back to O2 exclusively.

 

I have also seen I have a CCJ issued by Northampton CCBC by MOORCROFT DEBT RECOVERY on behalf of O2.

 

 

I am more than happy to pay the debt back to O2 directly but only on the following conditions:

 

1. O2 REMOVE DEFAULT FROM CREDIT REPORTS

2. O2 SATISFACTORY REMARK ON CREDIT REPORTS

3. ACCEPT MY OFFER OF MONTHLY,REDUCED NO INTEREST PAYMENTS

4. TO GET IN TOUCH WITH MOORCROFT DEBT RECOVERY AND NORTHAMPTON CCBC TO GET THE CCJ REMOVED.

 

 

Do you think I am likely to get this sorted?

 

Im afraid it don't work like that my friend

[develash]

Any ideas on what I can do?

 

Cos O2 have the idea that I can pay them, but if that was the case why does MOORCROFT have a ccj for the same debt?

[bha100]

Did you get the forms from the court for the ccj?

if you did read this

County Court Judgement CCJ

 

looks like lesscroft have bought the debt thats why they obtained the ccj.

 

If you did'nt respond to the ccj your stuck with it for 6 years unless you can find a way to get it set aside

[develash]

so, should i continue talking with O2 about the debt or forget about them and start paying the ccj.

 

I did get the forms and i signed them to (august.2008) say yes i do owe the debt but i didnt hear anything more of it until i looked at my credit report (oct.2009)

 

So would I haver grounds still to get the ccj set aside????

[bha100]

so, should i continue talking with O2 about the debt or forget about them and start paying the ccj.

 

I did get the forms and i signed them to (august.2008) say yes i do owe the debt but i didnt hear anything more of it until i looked at my credit report (oct.2009)

 

So would I haver grounds still to get the ccj set aside????

 

you won't get it set aside if you have already admitted the debt, you will have to pay lesscroft and then they will get it put down as satisfied on you credit file.o2 are out the loop now.

[militantconsumer]

Is this actually a "CCJ" or a "Claim Form"? Many people receive Claim Forms (Court Claims) and assume they are a CCJ (a County Court judgment). What does it say at the top of the paperwork?

[bha100]

When you said you could see you also had a ccj was you referring to you credit file or a letter that was a threatogram dressed up to look like a ccj?? scan and post up the letter?

Your stuck with the default on you file for 6 years not a lot you can do about that now.