Noddle credit report showing CCJ

[castigers]

Hi all

 

I recently signed up to noddle to check my credit report.

 

 

I noticed that I have a CCJ issued against me on the 15/05/2014.

 

 

A case number is provided but no company name shows.

I would also like to point out that this CCJ is registered with my previous address.

 

I would like assistance or to be guided in the right way to deal with this issue.

 

I didn't know that a CCJ was going to be issued.

I moved out of the address it's listed against on the 28/09/2013

so any paper work relating to this would have been sent there

and I had no knowledge that a case was to be heard.

 

I can provide proof by a tenancy agreement showing the date that I moved out of that address.

 

Is there anything that I can do to try and resolve this issue?

 

thank you in advance

[Sidewinder]

Is the debt yours? Who is the creditor?

 

Had you had any previous dealings with the original creditor, or the claimant in the case?

 

You could apply to set aside the CCJ on the grounds that the paperwork was not received

- that is certainly a valid reason, but as to whether it would be successful would depend on whether you had a viable defence

with a reasonable chance of succeeding even if the claim forms had gone to the correct address

 

Even if the debt was yours,

is it possible that it was Statute Barred at the time that the claim was issued?

Had there been a clear period of at least six years since payments started to be missed?

[castigers]

Hi sidewinder

 

THank you for your reply.

 

Noddle is quite vague with the information it provides.

 

THe credit report is mine but the CCJ only gives the date it was registed and a case number.

how would find out who registered the CCJ?

 

The amount which is owing is just over £1500

if I'm guessing I think it relates to a overdraft on a bank account which went into default sometime in 2012.

 

I can only remember receiving a few calls from lowells debt collection

and has I wouldnt ever confirm my details over the phone the conversation was always a non starter.

 

If I owe the money I will pay the debt.

 

Do I deal with the court for a payment arrangement?

 

Once this balance is cleared. Would my credit report reflected this?

 

Thank you again!

[castigers]

A little bit more information.

 

The CCJ amount is actually £1900.

 

On my noddle report I have a default for £1700 which lowells registered against a current account.

That also shows as default date 10/10/2011.

[dx100uk]

you could pop onto www.trustonline.org.uk

should give a few more details

 

 

 

 

however, even after that

you'll still need to phone the northants court on Monday

and ask for a copy of it.

 

 

just remember, its your responsibility to tell your creditors you have moved.

if you didn't, you won't , solely, be able to use that excuse to set the CCJ aside.

 

 

even if you pay this, it will still show and kill any credit application till its 6th birthday

[castigers]

thank you dx100uk

 

I will get the information on Monday.

 

just to confirm even if I paid this CCJ, I understand that it will show for 6 years but would it be updated to satisfided?

[dx100uk]

you would need to get a cert of satisfaction from the court [£15 I think]

but that wont make any odds to getting credit

 

 

a CCJ is a killer paid or not until it drops off on its 6th birthday.

 

 

I'd get all the info first.

 

 

then decide

 

 

as sidewinder indicated , if you can prove, the claimant 'knew' your new address

then a set aside could be possible

 

 

knowing lowells, it was prob carter that got the CCJ

and he pulls many tricks to ensure a default and uncontested judgement

whereby if the defendant knew about the case, it might well have failed

 

 

once you know the original creditor

then get an SAR off to them.

 

 

might find PPI/PENALTY charges to reclaim

to offset the money.

[castigers]

Thank you for the advice.

 

I will get all the information and then send off a SAR. Everything's worth looking into.

[Grumpy Old Men]

Hi all

 

I recently signed up to noddle to check my credit report.

 

 

I noticed that I have a CCJ issued against me on the 15/05/2014.

 

 

A case number is provided but no company name shows.

I would also like to point out that this CCJ is registered with my previous address.

 

I would like assistance or to be guided in the right way to deal with this issue.

 

I didn't know that a CCJ was going to be issued.

I moved out of the address it's listed against on the 28/09/2013

so any paper work relating to this would have been sent there

and I had no knowledge that a case was to be heard.

 

I can provide proof by a tenancy agreement showing the date that I moved out of that address.

 

Is there anything that I can do to try and resolve this issue?

 

thank you in advance

 

Hi this should be quite easy for your to resolve but may take a little leg work from you.

 

On the your Noddle Credit Report there will be a Reference Number for the CCJ (make a note of that number)

 

Now go onto a website operated by 'Registry Trust Limited' (trustonline . org . uk) . This company basically receives all the fresh CCJ's from various courts and feeds the information through to all major credit reference agencies..Namely Experian, Equifax and Call Credit ( for your information Noddle.co.uk is owned by Call Credit)

 

Now navigate through trustonline.co.uk, enter your Full Name and address that the CCJ was issued to, it will cost you £4.00 (four pound).....you will get full details of which court issued the CCJ (probably Northampton).

 

Next phone the court named on the trustonline report (if Northampton the direct number is 0300 123 1056), be prepared to wait in a que, they will answer your call.

 

Now quote the CCJ number found on Noddle, the court is quite open and will tell you who issued applied for the CCJ against your name....you have a choice now to either complete a form number 'N244' and pay a fee to the court to have it registered as 'Set Aside' as you never received the CCJ as you were not living at the address where it was posted to.

 

Unfortunately the CCJ will be then re-issued to your current address but if you pay it quickly and on time it will have less of an impact on your Credit History as it will appear as settled.

 

Also and of couse you can dispute the CCJ directky with the company who applied for the CCJ originally.

 

I think i'm pretty correct with the above advise and hope you find it useful....I am indeed going through a similar process at the momnet but the CCJ is nothing to do with me.

 

Interstingly enough my CCJ appeared on Noddle but not on Equifax, it makes you wonder what all these companies are really up to....All these credit reference sites seem to differ with the information held.

 

Whilst they serve a purpose, they sure do make inocent peoples lives complete missery.

 

Good Luck and dont worry.

[dx100uk]

as noddle gives the CCJ number

no need for TOL.

 

 

its not quite correct the CCJ can be set aside

IF the defendant did not inform their creditors of an address change

it will be diff to get it set aside for that reason

plus a defence will be needed too

 

 

as for the CCJ being re-issued at the correct address

again not exactly how things happen

 

 

dx

[Grumpy Old Men]

yes noddle does give the CCJ number but does not name the issueing court.

 

Hopefull some of the info' i provided was useful.

[dx100uk]

sure

99/100 the default unknown ccj's are always issued by northants.

 

 

dx

[Grumpy Old Men]

Heres a load of good info on Understanding and what to do with CCJ's (County Court Judgements.....plenty of reading and worth the time:-

 

www trustonline.org.uk/understand-judgments-fines