Found i have a Ccj for car finance that was not mine but ex's - help

[Empay89]

I requested a copy of my credit report so I could see exactly what I owed and

 

I discovered I have a ccj on there from 2010 which is for car finance that my ex husband had taken out

- it came out of our joint account at the time but I definitely didn't sign any car credit agreement

- I would have only been 18/19 at the time and can't actually drive anyways.

 

The ccj is with first response finance.

 

I have never received any ccj court paper work either.

 

How do I go about challenging this and getting it removed from my credit file?

 

Thanks

[dx100uk]

first port of call see if you can get the court

to send you a copy of the CCJ.

 

northants bulk probably

 

do you know the CCJ number?

 

dx

[Empay89]

If I ask them for a copy isn't that me then saying it is my debt and I don't really wAnt them knowing my address incase they were to send baliffs as it is a long time outstanding. Yes it is northampton. Can I ask first response for a copy of the original credit agreement?

 

Thanks

[dx100uk]

CCJ nulls the need for a CCA

 

the court don't send bailiffs

the claimant does. [as such]

 

forget about that

 

get it moving.

 

dx

[Empay89]

What do I do once I get the paperwork for it?

[dx100uk]

you gather info to prove its not yours.

 

is the debt listed on your CRA file

[not just the fact of a CCJ showing in the public info section]

[Empay89]

Yeah it was on a copy of my credit report that I got from experian.

 

I really don't no how to prove it's not mine without wishing to sound stupid

 

- the ccj is from 4 years ago and

 

the original agreement would have been taken out in 2007-2008

[dx100uk]

if the debt as well as the CCJ is on your CRA file

 

that must means that you are named & signed the agreement.

 

could your ex have pulled a fast one

and put your name down on it too?

 

dx