Jump to content

 

BankFodder BankFodder


sd131

Unknown CCJ - long story

style="text-align:center;"> Please note that this topic has not had any new posts for the last 576 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

my credit score had plummeted.

 

I used Clear Score to do a bit more digging recently and found a CCJ for £316 in April of this year.

I am now assuming this is some sort of PCN for the same car, after I had sold it.

 

This is very stressful for me as I already suffer with anxiety, currently have a 4 month old baby and have a mortgage.

I know I cannot defend myself against the CCJ by applying for a set aside as they will just argue that the whole situation is my fault.

 

My question is,

has anyone ever been able to negotiate with the original creditor?

I'm wondering if it's possible that I pay the CCJ in full but that they might have the power to remove it from the Public Register.

I'd even pay more if it meant that it would go away.

Do they even have the power to do this?

I feel I have suffered enough for a very silly mistake.

 

Yes, I know I have made a mistake.

Yes, I know I've been ignorant.

 

I'm already very upset and beating myself up about it as it is.

So, I please ask that there are no comments making me even more aware of this.

Edited by dx100uk
edited

Share this post


Link to post
Share on other sites

I've removed all the stuff about the car its irrelevant to this thread.

 

you have the CCJ number

go ring northants bulk and ask for a copy of the CCJ & the Claimform to email PDF.

 

nothing much yo can do till you findout what the debt was all about

and unless you have proof that you sent the original creditor or the claimant of the ccj [bet its a dca]

your new address theres nowt you can really do about..paying it wont remove it

its there for 6yrs regardless.

 

you need a reason to set aside the CCJ

and

a defence for the original claim

 

for a set aside to be successful.

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Ok, thank you for your help.

Share this post


Link to post
Share on other sites

My current mortgage lenders selection criteria allows one CCJ below £500 that has been settled for at least 12 months, so by the time we want a new rate, we should be fine! :)

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...