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Black Horse registered second default after obtaining CCJ


saqqara
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Black Horse obtained a CCJ against myself over 6 years ago which has now disappeared from my credit file.

 

Black Horse have since recorded a further default for the original loan.

 

Can they do this?

 

Could they claim they are saying I defaulted against the CCJ if I didn't pay it all off?

 

Thanks in Advance for any help

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Not sure if they can or not. I will try and find out for you.

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They can't place a default, the CCJ superseded any CCA agreement. Although they can technically update the CCJ until it's satisfied, but if it hasn't been enforced within six years they will need a courts permission to do so.

 

You should complain to the credit reference agency & the ICO.

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