We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Unknown CCJ
julest1972
Posts: 1 Newbie
Hello
This is my first time posting on a forum.
So where do I start, well it all started 2 months ago when i went to get finance on a new car and was refused the credit now i have never been refused before.
So I did my checks and it turns out my partner didn't pay the mortgage on a few occasions and it went to court unbeknown to me and this has given me a CCJ. But why should I have this if I knew nothing about the debt.
My partner attended the court by himself without telling me. The debt has since been paid off as i found out.
How do i get this removed and clear my name.
Please help.
Many thanks
J Taylor
:mad:
This is my first time posting on a forum.
So where do I start, well it all started 2 months ago when i went to get finance on a new car and was refused the credit now i have never been refused before.
So I did my checks and it turns out my partner didn't pay the mortgage on a few occasions and it went to court unbeknown to me and this has given me a CCJ. But why should I have this if I knew nothing about the debt.
My partner attended the court by himself without telling me. The debt has since been paid off as i found out.
How do i get this removed and clear my name.
Please help.
Many thanks
J Taylor
:mad:
0
Comments
-
If the mortgage was in a joint name, there is nothing you can do you are both liable for the account and the consequences of not paying, if one person manages it for both partners it doesn't matter the CCJ/Defaults will be issued against both, no offence but ignorance or not knowing doesn't resolve a person of responsibility.
If it however was not a joint mortgage, and nothing to do with you, you can speak to the 3 credit reference agencies and ask for it to be removed, if they don't you'll need to contact the courts to get it passed down to the CRAs to have it removed.
Equifax Plc
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
https://www.equifax.co.uk
Call Credit Plc
Consumer Services Team
PO Box 491
Leeds
LS3 1WZ
0870 060 1414
https://www.callcredit.co.uk
Experian Ltd
Customer Support Centre
PO Box 8000
Nottingham
NG80 7WF
0844 481 8000
https://www.experian.co.ukAlthough no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.
There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.1K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.1K Work, Benefits & Business
- 603.7K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards