Clearing CCJ's after being discharged

Rick_shore

Hi

I went bankrupt on 01/02/2008 and was discharged on 01/02/2009. I have recently checked my credit with experian and equifax and noticed that there were 2 ccj's marked as unsatisfied which were included in my bankruptcy.
I have spoken to Northampton Bulk County Court, the solicitors who hold the ccj's against me and the insolvency helpline. None of the people i have spoken to will take responsibility or offer advice of marking these ccj's as satisfied.
Can anyone offer me advice on how to get these 2 ccj's marked as satisfied?

Many thanks in advance

fermi

You can ask the court to mark them satisfied, but if the creditor objects then they won't change it.

Assuming the CCJ dates are before the BR date, then they are somewhat irrelevant anyway.

They will disappear from your files before the BR order does.

4$£&*(£$&*(!

I found this problem with Santander Cards. They had sold on a debt to an agency, and the agency utilised that firm of solicitors in Leeds (can't remember the name now, but they have lots of smarmy looking people who are meant to be legal professionals on their website). The solicitors ignored me. The DCA ignored me.

In the end I went to Santander Cards and said if they do not instruct the DCA to tell their solicitors to 'set aside' (the legal term for removing a CCJ), I would set up a picnic outside one of their Abbey branches and call the TV stations, get people dressed up as mad hatters running around claiming money that didn't belong to them and we'd have photographers too. I sent this to their executive team, then sent a copy of it to all the Abbey branches in the area saying they could be one of the lucky branches hosting this event.

That took about three days to sort out after that.

crowman19

CitySlicker wrote: »

I found this problem with Santander Cards. They had sold on a debt to an agency, and the agency utilised that firm of solicitors in Leeds (can't remember the name now, but they have lots of smarmy looking people who are meant to be legal professionals on their website). The solicitors ignored me. The DCA ignored me.

In the end I went to Santander Cards and said if they do not instruct the DCA to tell their solicitors to 'set aside' (the legal term for removing a CCJ), I would set up a picnic outside one of their Abbey branches and call the TV stations, get people dressed up as mad hatters running around claiming money that didn't belong to them and we'd have photographers too. I sent this to their executive team, then sent a copy of it to all the Abbey branches in the area saying they could be one of the lucky branches hosting this event.

That took about three days to sort out after that.

Classic. I will have to remember that one.

neverindebtagain

How do you know on your credit file if you have a ccj,

fermi

neverindebtagain wrote: »

How do you know on your credit file if you have a ccj,

They are recorded in the "public record" section on the credit reference file.

neverindebtagain

cannot find 'public record' on equifax, am I looking in the worng place. If he did have a county court judgement, would he have known by letter

fermi

neverindebtagain wrote: »

cannot find 'public record' on equifax, am I looking in the worng place. If he did have a county court judgement, would he have known by letter

I think Equifax call it "court information" instead.

See the example here:

https://www.econsumer.equifax.co.uk/consumer/uk/sitepage.ehtml?forward=gb_cpo_ccj

If the creditor had a valid current address then you should get court papers. But the creditor is allowed to send them to the "last known" address, which is how a lot of people end up with one without knowing it at first.

neverindebtagain

It doesnt say anything like that, it just says court judgement then the bankruptcy date, we havent moved for 14 years

jackymiddleton

I need to get a certificate of satisfaction for my ccj that was included in my bankruptcy( i was discharged feb 09) as I am trying to rent a house and I cant do this until it is marked as satisfied, I have been told loads of different information, northhampton county court have said i need to get a letter from the company that issued the ccj to say it was included in the bankruptcy and then I can get a certificate of satisfaction from northhampton, I have been given the runaround for a week and have been told something different from every person I have spoken to at northhampton court, i need to get this sorted asap is this the right procedure