CCJ Issued from Arrow Global/Wilkin chapman

[leepearson85]

Hi everyone,

 

I need a bit of help I recently checked my credit score out of curiosity. I discovered a ccj had been issued to me at a old address to the sum of £353 pounds.

 

It was literally sent the week we moved out of my old house so everything was in a bit of a mess with the mail wise.

 

Anyway I emailed wilkin chapman and asked for a copy of the original credit agreement as I do not believe the figure been quoted is correct.

 

This is the Reply I received,

 

We can confirm that once a County Court Judgment has been entered we are under no obligation to provide any documentation in relation to the original account such as the Consumer Credit Agreement.

 

If you wish to obtain a copy of the County Court Judgment our client obtained against you please contact the Northampton County Court Business Centre directly, we will hold our file for 21 days for you to do so.

 

Please find our bank details below in order to make payment.

Natwest Bank

Account no: 50394797

Sort code: 535010

Reference: 5230910-3180

 

We look forward to receiving payment in the sum of £353.06 on or before 10th July 2014.

 

 

I would like to know if this is correct as I am happy to pay in full but as I was not aware of any such court case nor did I have any chance to pay in full before court date was given and I would like the CCJ removed from my account.

 

I understand a notice of satisfaction will be added to the account once payment is made in full but I would like it completely removed.

 

Can anyone shed any light on this matter

 

Many thanks

 

Lee Pearson

[AndyOrch]

Hi Lee and welcome to CAG

 

You would have to set a side the judgment...on the basis of not receiving the claim...but bear in mind that last known address is acceptable by the court as good service...unless you can prove you informed the creditor of a change of address.

 

Regards

 

Andy

[leepearson85]

Hi thank you for your reply,

 

unfortunately I forgot this one when I changed the address, Would you recommend just paying in full and get the satisfaction notice?

[AndyOrch]

The Satisfaction Certificate does not obliterate the register...you could speak to the claimant and ask for a consent to set a side on the provisio that you you will make full payment and costs by x date.......This is assuming the Judgment has passed its payment date.