What to do next about false CCJ?

Trout69

Hi All,

In 2003 a debt that my Mum had accrued appeared on my credit report in my name. She had to pay £20 for this to be transfered into her name, and then paid the debt in full.

However, on checking my report from MyCallCredit today, this debt is appearing as a CCJ still in my name, which is of great concern, as i am applying to move into a new rental property to which i have to declare adverse credit. They do not have a contact phone number, and state all queries need to be discussed in writing.

I have just written a letter, and will post later this afternoon, but am on the whole concerned to the effect this has been having on my credit, as i have also been refused a 0% credit card recently.

I have requested a copy of my credit report from experian, and will do the same from equifax to check whether this information is the same on all 3.

Is there anyway i can find out what this is all about, my mum no longer has the paperwork for who she called to transfer the debt into her name, nor who the debt was passed to for collection - hence who she paid off?

Best Regards

Donna

Experian_company_representative

Your credit report should show the case number and court name for this judgment, which means you can contact the court direct to query this. Any amendment the court makes to the judgment will update your credit reports at all three agencies within a matter of weeks.

Trout69

JamesJones wrote:

Your credit report should show the case number and court name for this judgment, which means you can contact the court direct to query this. Any amendment the court makes to the judgment will update your credit reports at all three agencies within a matter of weeks.

Hi,

Thanks for your response, i have also spoken to the company holding the 'debt' and they advised that it is settled and is not showing as a CCJ in my name, as CCJ's are of public record? They checked with all 3 agencies from their backend and all 3 apparently showed no CCJ against my name.

If this is the case, then i'm confused, how can the report issues to me by checkmyfile show a CCJ yet when i speak to the company direct they cannot see this at all?

If CCJ's are public record, where can i check them?

Best Regards

Donna

Trout69

Just an update, i have spoken to the court and they have confirmed that the debt was transferred into the correct name.

They advised that this information would have been passed onto the registry trust, who would then inform the appropriate agencies. I tried to speak to someone at the registry trust, but apparantly they cannot tell me anything and i am suppose to get the court to call them direct.

Grr....seems i'm getting nowhere fast.

I guess i'll wait to see what comes through on my experian report over the next week, and wait for a response from Mycallcredit as to what is going on.

Best Regards

Donna