4yr old CCJ just suddenly appeared on my credit file!! Why and can i get it removed?

[littletinker]

Hi,

Would appreciate any advice please. Recently signed up to Experian again. Tend to join a couple of times a year to check my credit file. Never had any problems with CCJ's. Down loaded my credit report last week and everything was as expected. Now checked this morning and a CCJ has suddenly appeared from 2010?????? How can this be? Why now? Where has it been for the last 4 years? Have rung up Northampton Bulk Centre and they have given me the name of a local company which simply states goods provided. Can honestly say was not aware of any debts to any local company? Goods provided surely would have had to been paid beforehand!! Not sure whether to contact this company first or do the application for setting aside the judgement. Should I write to company with a prove it letter requesting for more details??

 

How successful are applications to Set Aside Judgement. My defence would be I was not living at the address at the time and therefore never received the original summons or had a chance to defend it or the option to settle the debt before any further action was taken. It states on the website Trustonline that the court may have expected you to inform any creditors of your change of address? What if I still owned the property but was rented out to tenants, my mail was being held at the local sorting office, yet I still didn't receive the summons? Would this qualify for a defence? Any advice would be greatly received. Many thanks.

[citizenB]

If you didnt know you owed someone money, then why would you need to inform them of a change of address ?

 

The reason the Claim has been issued seems very vague and presumably you would have required them to prove their claim if you had been aware.

 

4 years is a long time though - I will try and find someone who might be able to advise further.

[citizenB]

What is the name of the Company recording the CCJ on your Credit file - does that help in providing you with information ?

[littletinker]

Thanks for the quick reply CB. Yes am familiar with the local company's name, and I know I have used them in the past. What I can't understand is that you normally have to pay for items before they leave the premises, so can't fathom out how on earth I could possibly owe them money?

[citizenB]

Is the court going to send you a copy of the Claim and the Judgment ?

 

I wonder if it would be worth your contacting the company - advise that you have just been made aware of this claim and you have every intention of having it set aside. You could point out that you have no knowledge of owing them money - perhaps they could explain why they have brought this claim against you. They dont appear to have expended much effort in pursuing payment of the Judgment debt either ?

 

Is it for a huge sum ?

[littletinker]

The CCJ was for approx. £500. The court centre said the original debt was for around £300 but costs have been added to it. The claimant had it enforced through the local county court and records state that the debtor has gone away and no longer living at those premises.

I didn't think of asking for a copy of the summons!

[citizenB]

Phone them up again and ask for a copy of all the paperwork they have relating to that court reference.

[littletinker]

Hi, Just a quick update. Checked my credit file yesterday and the 4year old CCJ has now disappeared, just days after rearing its ugly head. My question is should I still be making an application to set it aside, or do nothing and hope it never comes back. Thanks in advance for any replies.

[BRIGADIER2JCS]

You should get a copy of the judgement order before doing anything, this judgement is still open to enforcement.

Contact the MD of the claimant.

[steampowered]

Its very difficult (impossible?) to set aside a judgment if you don't have the basic details like the date and case number ... you would need to get a copy of the paperwork from the court.

[BRIGADIER2JCS]

Try Trust-on Line to see if there is a record of the judgement.

[honeyminx]

Just reading this and I have a similar issue. Ccj issued that I have no knowledge of and even had the wrong address. Only because I requested my credit file I saw it. I also read that you can write a letter of complaint to the company that issued the ccj to have them investigate it?? And if it's wrong remove it?

[BRIGADIER2JCS]

Just reading this and I have a similar issue. Ccj issued that I have no knowledge of and even had the wrong address. Only because I requested my credit file I saw it. I also read that you can write a letter of complaint to the company that issued the ccj to have them investigate it?? And if it's wrong remove it?

Check trustonline for details.

 

 

Have lived at the address on the Claim?

[honeyminx]

Check trustonline for details.

 

 

Have lived at the address on the Claim?

 

No. Now dca is harassing the life out of me for payments. They asked if I had a council tax letter from the time period and I don't as I live with my parents and then went to uni. And I don't really want to pay £150 to request the court remove it if it can be removed by the creditor? Saw some clever legal letters but am unsure if they work?

[BRIGADIER2JCS]

No. Now dca is harassing the life out of me for payments. They asked if I had a council tax letter from the time period and I don't as I live with my parents and then went to uni. And I don't really want to pay £150 to request the court remove it if it can be removed by the creditor? Saw some clever legal letters but am unsure if they work?

If there is absolutely no connection with you and the address the claim was sent to then you will need some proof of your residence at the time.

 

 

IN POST 8# You say it has disappeared from you credit file, which agency did you use? Which DCA is harassing you?

Who is the creditor that made the claim, the more information we have makes it easier to advise the correct course of action.

 

 

I'll help you sort out the right letters.