Full and final settlement on an account with ccj

[richarddawkins]

Hi CAG team,

 

I have an account which had a CCJ on it.

 

A full and final settlement was reached on this account by my ex wife.

 

It also shows as settled on my credit report with the added information that a full and final settlement was reached.

 

I do not have any paper work to prove that other than the credit report and i have no contact with my wife.

 

My question is that i have read so many horror stories where customers were chased by DCAs even for settled accounts.

 

What rights do i have if that were to happen to me and what documents will i require to prove that

 

and i feel really stupid asking this but how do i get hold of the relevant paper work.

 

regards

[dx100uk]

was the debt joint or just yours?

 

dx

[richarddawkins]

was the debt joint or just yours?

 

dx

 

I was the primary card holder and i was the one who applied for the card and initially i was the only one with the card, i got my wife the additional card (same account) later. i hope i am making sense.

[dx100uk]

if the ccj is shown as setlled

then in this instance it shold be done and dusted

 

i take it the DCA that she settled with

ofcourse made no ref to the CCJ

nor were the named claimant?

 

dx

[richarddawkins]

if the ccj is shown as setlled

then in this instance it shold be done and dusted

 

i take it the DCA that she settled with

ofcourse made no ref to the CCJ

nor were the named claimant?

 

dx

 

The CCJ shows as is and does not have settled status on the credit file.

 

However, the credit card debt related to it is showing as settled with the added remark that a full and final settlement was reached.

 

Unfortunately, i don't know any more details whether there was a DCA involved or the settlement was with the original creditor.

 

I became aware of this development when i checked my credit file.

[dx100uk]

prob as itthought then

 

your ex setlled the debt

for a reduced figure with a dca.

 

they knew not about the CCJ

 

and peob wouldn't as i bet its in your name only.

 

its lucky the payment by your wife is showing

typically they pocket the money

 

as a joint card holder IS NOT responsible for the debt at all!!

 

ok looks ok the

 

whens the CCJ due to drop off?

 

dx

[richarddawkins]

 

whens the CCJ due to drop off?

 

dx

 

Quite some time to go. 4 years

[dx100uk]

well if no-one is willy waving about the CCJ

 

[who was the claimant by the way?]

 

then job done

by the looks of things.

 

dx

[richarddawkins]

 

[who was the claimant by the way?]

 

 

dx

 

The claimant was the original creditor.