CCJ but they no longer administer the debt??

[roxet1986]

Hi all, apologies if this is in the wrong place, this is my first post.

Short background info.

 

I borrowed some money on credit cards (small amounts) in my late teens and was paying fine,

i was made redundant and made the smart decision to RUN

 

!Now in mid twenties and looking to sort out my credit file.

 

I have no wish to wriggle out of paying it, i borrowed the money and am happy to pay it back (now i can afford it!)

 

I found 2 CCJs against me (unknown to me as i have moved many times in rented accomadation),

one of which i have now paid,

this was easy to sort as it was only put on recently (unfortunatly over 30 days though!)

 

The other is quite a bit older.

I contaced the company who put it on, B.Carter,

they claimed that the debt had been retracted by the original lender,

so i followed the trail back to the credit card comp who advised as B.Carter put on the CCJ

i would need to sort with them and they would have to send it back to them.

 

After 3 further phone calls to both parties, nobody seems to want my money!

 

Any ideas on how i should proceed?

I want to at least get this settled on my file asap!

 

Thanks in advance for your help!

[brokebutnotbeatn]

CCjs drop off your credit file after 6 years - paid or not. You have tried. Forget it.

[sillygirl1]

Mr Carter is a well known solicitor for rent, if he has got this CCJ against an address you had moved from then you could apply to have it set asite, he does not like having to deal with a paper trail so write to him for information about it.

 

Stay off the phone to people, you will be given the run around and be given misleading information and could accidentally acknowledge something you might not actually owe.

[dx100uk]

if you didn't know about these CCJ's you really should get them set aside

rather than paying them

 

paying willl hold them on your file for a further 6yrs

 

dx

[roxet1986]

if you didn't know about these CCJ's you really should get them set aside

rather than paying them

 

paying willl hold them on your file for a further 6yrs

 

dx

 

Thanks for your help.

 

I had looked into that but didnt feel I had a good enough reason to get it done?

It was sent to an old address that I only stayed at for a few months.

I dont actually remember giving it to them to be honest.

 

I registered my bank there so I could get a proof of ID for moving to my actual address?

 

If it was possible and then I paid the debt would that remove it from my credit file??

or f I get it paid and settled is that so terrible??

 

Thanks again.

[dx100uk]

well the trouble with paying old CCJ's

that are almost or coming upto 6yrs

is at 6yrs they will fall off.

 

you pay it, it holds it as as settled on your CRA file for 6yrs from payment.

 

now ok a settled CCJ is better than an unsettled one

but it wont go away for an extra 6yrs.

 

whereas the otherway it would go..

 

anyhow.

 

BC specialise in purposefully getting CCJ's by default

by knowingly serving on an address you are not at.

 

perfect excuse for a set aside

i would also guess that the CCJ was a split claim too.

 

just his costs, the debt is still around.

 

so how old is the non paid ccj?

dx

[roxet1986]

well the trouble with paying old CCJ's

that are almost or coming upto 6yrs

is at 6yrs they will fall off.

 

you pay it, it holds it as as settled on your CRA file for 6yrs from payment.

 

now ok a settled CCJ is better than an unsettled one

but it wont go away for an extra 6yrs.

 

whereas the otherway it would go..

 

anyhow.

 

BC specialise in purposefully getting CCJ's by default

by knowingly serving on an address you are not at.

 

perfect excuse for a set aside

i would also guess that the CCJ was a split claim too.

 

just his costs, the debt is still around.

 

so how old is the non paid ccj?

dx[/quote

 

It was put on in 2010.

 

It does appear to be for the full amount though.

 

What does set aside actually mean?

 

Thanks again!

[cerberusalert]

If a CCJ is set aside it means the a/c goes back to as it was before the judgment & the creditor would have to reapply to the court. The problem is unless you have a very good reason for having the CCJ set-aside other than not receiving the court papers a judge would be unlikely to allow it. For instance if the amount they claimed was wrong because of unfair charges or PPI.