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I have recently done an experian credit report and found I have a CCJ agaisnt my name.


It first started with a phone call from my car insurance company asking if i was involved in an incident,

they provided a reg number and this was my sisters car,

I then contacted my sister and she assured me that she although she did have a small accident she gave her details.


I got on to my insurance informing them of this and they told me it was all sorted ( this was 2011).


I later recieved (2012) a letter stating i owed money for excess to the others in the accident,

i therfore contacted my insurance company again and once again was told that the deatils were ammended.

That is the last contact I have had regarding this issue,


Then to find out I now have a CCJ against my name,

as im sure you can understand im rather shocked.


Any advice on what can be done?

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Did you recieve any notice about court action or any claim forms? If not, then you can set aside the claim, although theres a small fee to file the forms.


If the CCJ is successfully set aside, it will be removed from the court database, and will be as if it didnt happen. However, the claimant will be notified and can reissue proceedings. The upside to this, is you will have a chance to defend it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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phone the named court

and get a copy of the CCJ



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I suppose that you have done everything on the phone and no recordings.

This means that everything bad about you has been recorded in writing - but all of the good and helpful things - you have been happy to rely on phone conversations with no recording and nothing confirmed in writing. Don't worry, most of the people in the country act in this way - and then they can't understand why they get into trouble.


In order to apply for a setaside you would be best off supplying a draft defence. I would suggest that you supply a defence and counterclaim. It sounds to me as if the insurer has mismanaged your personal data and has caused you harm for which you should be compensated. I'd suggest a claim for £200.


Stop doing things on the phone unless you record the call. Start writing to them and begin by writing a detailed letter outlining what has happened. This is merely to get it on record.

Apply for the setaside straight away.

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