Surprise CCJ on 1 credit referrence report

[teamsquirrel]

Hi

 

I've been checking my credit report from Experian and Equifax for some time now and all looks to be good. However, I signed up for Call Credit report and was horrified to find it had recorded a CCJ on it from 2007.

 

The address listed was an address I lived at for 6 months between 2004 and 2005. The sum is a measly £200. This address was a house split into flats and and the default is just registered at the main house number (ie. not my individual flat number). I don't know what this CCJ is for and have emailed northampton court for the details.

 

I was never served with the documents and have never had the opportunity to defend myself.

 

I certainly would not have allowed myself to get a CCJ for £200!

 

Any ideas what I can do? I've read somewhere that I can apply for it to be set aside - does this seem a good idea? I'm worried with it being a shared house that there's some foul play. I'm also a bit confused as to why Equifax and Experian haven't showed this CCJ on any of their reports over the years.

 

Any help appreciated.

 

Thanks

Edited August 29, 2012 by teamsquirrel

[dx100uk]

wait to see what NBCC say.

 

dx

[unclebulgaria67]

Yes you will have to wait for the details.

 

Getting a set aside just because you were no longer at the address, is not automatic. So you need the details, as you may be able to dispute it properly.

 

If you have always updated your address for bank records etc, your credit record will always have shown your latest address, so there should be no reason as to why the claimant has not managed to contact you. You could ask call credit, as to when the CCJ record was added, as you had not seen this on record before.

[teamsquirrel]

Thanks for the advice so far.

I now have the details from the county court, which states it was for an egg card and

 

I was sued by Bryan Carter on behalf of Cyclone Asset management.

 

Do you think with the claim not being served to the full and correct address I would have a case to set aside?

 

Obviously, I would need to SAR to get all the information I needed from them, before pursuing this option.

 

Or should I just put it to bed and ride out another year of the CCJ?

 

Thanks

[dx100uk]

well knowing those three

 

it would have been very craftily done

 

prob not for the full amount

 

just a split claim for the court costs.

 

if you dont need it off your cra file i'd not shake the hornets nest.

 

if you were to SAR egg

i doubt you'd get anything back anyway

 

they'd have well buried every bit of paperwork by now

to hide the fact you have PPI & PENALTY charges to reclaim

that would have blown them right out the water

 

dx

[teamsquirrel]

Thanks. I don't need it off my file at the moment so I'll just leave it be. The court said there was a warrant issued too, is this anything to worry about?

Just for my own curiosity, why would they not have claimed for the full amount?

[AndyOrch]

" Just for my own curiosity, why would they not have claimed for the full amount? "

 

BC /IND/Sigma are renowned for split claims which usually equate to their costs only and they then try to come back for another bite of the Cherry. Unfortunately any claim for partial monies is averred Contrary to s35 of the county court Act 1984 s35 Division of causes of action.

 

Regards

 

Andy

[dx100uk]

a warrant for £200?

 

dx

[teamsquirrel]

Yep, incurring a further charge of £25.25 apparently. I take it this is unusual?

[AndyOrch]

A warrant of execution can be issued in the County Court to recover a debt between £50 (£600 in Scotland) and £5,000. If amount sought is more than £600 it can be enforced in the High Court using a Writ of Fieri Facias