I quite agree. I think all that needs to be said has been said. It is my view that the poster is very confused not only about the law and court procedures but about the circumstances explained in the original post. As you can see from the passages I highlighted it caused considerable confusion for the OP (and just about everybody else). My concern was that we had a worried OP about to go to court to deal with a very unfamiliar (to her) process being completely misled and confused. A principle part of her court visit was to be her SD and she was presented with a totally false impression of what might happen. I know that all forums such as this have differences of opinion. However, this matter was not a difference of opinion - it was a different portrayal of facts. One of them was utterly incorrect and no amount of persuasion could get them retracted. It's not good.
on 9th of July 2018 I was issued a CCJ for 326£ for a non payment into my Natwest account - 6 month earlier I moved abroad and despite my better knowledge my direct debit with the phone company wasn't properly closed and the Natwest account went into arrears for that amount.
As soon as I found out of that matter on 20th October 2018 I settled the amount in full with Moorcroft (the debt recovery agency instructed by Natwest to recover the amount).
When I returned to the UK I was shocked that my credit score was completely depleted - despited an otherwise good record - and that for the following 5 years I won't pretty much be able to access credit and other common financial products regardless of the fact the debt has been paid in full (and despite a stable high salary etc.).
When I contacted Moorcroft in January this year they said they can't do anything about it and the record will stay as is. They said the best they could do was to send me a letter (attached) that I can use as a confirmation that the CCJ was now settled.
I was pretty sad and frustrated and shocked that a 300£ debt could put me into such distress (I literally cannot even get a monthly mobile phone plan) and despite having settled it I would carry such consequences for the next 5 years... so I archived the letter and tried to forget about it.
I recently checked my credit report and it states that the CCJ status is still active.
I would like to ask:
- is it really not possible to adjust the CCJ status ?
- are there any actions I can take to mitigate my situation ?
- shouldn't at least Moorcroft have sent a more comprehensive letter stating that the CCJ was settled (instead of a generic 'payment received' with no indication of what and why) ?
Note: when I tried to contact Natwest in October 2018 they bounced mee across several departments but ultimately no-one could/would want to help as the account was permanently closed and passed onto debt recovery and they couldn't find much information about my records (apart from saying it's closed and Im no longer a customer of the bank and won't ever be able to be one again).
phew, just got an email from firstname.lastname@example.org.
I was worried that because the N180 was 5 days late, they would reject it.
There is still an new default on my credit file for the original amount + court costs. Surely Lowell shouldn't have submitted this yet?
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!