Checked my file and CCJ @ old address? No idea what this is!

[LesleyDeacanjason]

HI All

 

Been checking and trying to tidy up my credit file,

and today just refreshed my credit file,

only to find that a CCJ has been entered against me, at my old address,

which i haven't lived there for approx 18 months!!!

Registered in May 13 for £313

 

I have no idea what this could be for or who it is.

There was no reference on my file apart from CCJ entered and a court number

 

What do i do!

 

My file was starting to look healthy until this and now it has dropped right off the mark!!!

 

Really narked about this.

 

Help appreciated please

[renegadeimp]

Trustonline.org charges a nominal fee. If you have proof you were not living there, then a set aside should be pretty straight forward.

[LesleyDeacanjason]

Yeah we moved about 18 months ago. Got all my proof of tenancy, address change, electrol roll etc so no worries there.

 

Does it cost to set aside something?

 

Thanks for the quick response

[renegadeimp]

Yea.

 

Think its a small fee, but its a small price to pay to get your credit record clear again.

 

The only thing you need to be concerned about is they usually check if you gave the creditor your new address.

 

However, if you hadnt heard anything from them for a long time,

then it would be obvious they issued it on an old address to get judgement by default.

 

They cant really claim that they had that address as the last record,

as its easy for them to do a credit search and check your new details.

[dx100uk]

I've moved you to the legal forum

 

plenty of help here

 

if type in

 

set aside a ccj

 

in the search on the right of the top grey toolbar

 

you'll see plenty of other threads to browse

 

dx

[unclebulgaria67]

It is going to be the Northampton bulk centre that dealt with the CCJ, as they deal with online applications. If you give them a call, they can advise the details. You can then look to apply for a set aside, based on not receiving the court claim. As long as you say that you had informed companies of your new address, then it should be straightforward. If the set aside is then agreed, you can defend or pay the company the relevant amount.

 

Northampton court tel no. 0845 408 5302

 

 

[LesleyDeacanjason]

Thanks all for your help. Much appreciated. will crack on with that now. dont want my credit recorded being tarnished for their mistakes

 

xxx

[LesleyDeacanjason]

just checked that online thing, and it shows nothing entered? is that because i searched on my current address?

[dx100uk]

prob is your old address not in the linkws addresses section?

 

dx

[LesleyDeacanjason]

It is linked, as everything was changed over. So you can see my chanhed address one the filesn, and the date we moved and its showing as linked.

 

Very odd. Will have to pay another fee to search old address?

If I was to sumbit to set aside the judgement based on my credit file, shwing I have no idea who they are and that I moved, do you think this is enough to have it set aside!

 

Thing is the balance is for 313 so that will involve costs, so the acutal balance wouldn't have been that high.if I owed someone money I would have paid it.

 

If my set aside isn't sucessful, how does the CCJ affect your credit. If I paid the full amount to clear, would I still have a massively negitive credit rating?

 

Thanks

 

Lesley

[BRIGADIER2JCS]

A CCJ is recorded on CRA files as 'public information' and remains for 6 years, it will be a total bar to getting further credit.

Are there any accounts on your CRA file that match the amount of the claim?

[LesleyDeacanjason]

Yeah I thought as much.

 

There is nothing at all even remotely like that amount. Even decucting possible court costs.

 

Just don't get it

 

£80 squid for the set aside!

[BRIGADIER2JCS]

You will need to find out who the judgement was awarded to, if you check your old address on T O L, get the claim number and the court that issued the claim then phone and ask for the details.

[DonkeyB]

£300+ sounds like £250 plus costs – possibly a split claim? Do you have any debts that are larger and outstanding?

[LesleyDeacanjason]

Hi All

 

Quick question

 

If applying to set aside a judgment that was obtained by money claim online, where would I submit the application to?

 

Thanks

 

LDJ

[AndyOrch]

To the Court that issue the judgment stamped on the Notice of Judgment.(N24)

 

Regards

 

Andy

[LesleyDeacanjason]

I don't have that, they sent me a copy of the screen shot of judgment and their claim form which has Northampton

 

I advised them I had no idea what it was for, and that's all they sent me??

 

So take it to Northampton you think? May be best place as that would be MCOL default place would it not?

[AndyOrch]

Yes if it was a default Judgment and issued in Northampton....if successful your claim will then be transferred to your local County Court.

 

Regards

 

Andy

[LesleyDeacanjason]

Thanks Andy you a star :)x