CCJ Issue

b00b00

Hi all,

Sorry I have tried searching but dont seem to be able to find the answer I am looking for.

Basically In trying to sort my life out, I have come across 2 CCJ's on my credit file. I would like to look into settling these but dont know where/how to approach who I should set up a payment agreement with.

Can anybody help me please?


b00b00

comedy_dave

Contact the courts, they will put you in touch with the Debt rocovery agency dealing with your default.
Try your best to research whether you can challenge the Judgement, as they will stay on your report for 6 years after settlement.

DarkConvict

You can check for statutory report for £2 each, there are 3 credit reports available.
Experian, Equifax and CallCredit

For more infomration on your CCJ, these people hold copies of the data, use http://www.trustonline.org.uk/ .

CCJs stay on for 6 years from the date it was placed, not the day it is settled.

b00b00

DarkConvict wrote: »

You can check for statutory report for £2 each, there are 3 credit reports available.
Experian, Equifax and CallCredit

For more infomration on your CCJ, these people hold copies of the data, use trustonline

CCJs stay on for 6 years from the date it was placed, not the day it is settled.

Thanks for your responses..

I originally discovered these on my equifax report however all it provides are Northampton CC and a ref number.. is this all id need to move forward, if so is the Northamton CC that i need to contact?

I did use trustonline however it advised me i had no judgments?? =/

b00b00

Both CCJ's are from '06 aswell so not too fussed about waiting 2 years for them to clear.. just want them satisfied.

DarkConvict

Youll need the info from http://www.trustonline.org.uk/ then, to find out who to contact. They will likely demand the payment in full (atleast to begin with)

If you were unaware of the CCJ, you can have them set aside - http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=12_how_to_set_aside_a_judgment_in_the_county_court