A little help with a CCJ to get a mortgage?!

mattkingo

Hi,

I have recently started the process of buying a shared ownership property with a housing association in the south of Englan.

I have been fully approved by the HO and need an agreement in principle.
I went to see a good friend of mine who is a mortgage broker and went through all the preliminaries only to be declined?!

I searched my Experian and Equifax credit file and have found a CCJ which was registered in Sept 2009 against my name but heres the interesting part.

I used to be the secretary of a Sunday football league team and they booked some training facilities to train on. One thing led to another and they didnt use the training facilities over a cold snap and then didn't pay the bill (£281.00). I recieved court papers which began the proceedings of a CCJ against me and I returned them to the court with a note on there that I am the secretary of the club and I filled out the statement of means based on the clubs income.

I then left the club and decided not to run as secretary anymore but the 'new' secretary told me that he would continue to pay the installments which were set up. I now see that these haven't been paid and the CCJ has been enforced against my name.

I have only just discovered this on my credit file - is there a way I can get this set aside as the club is no longer running and I know for a fact that the 'new' secretary wouldn't take a CCJ in his name (who would!).

I'm happy as the club closed down with a balance of £414.00 (Ive been told) and the old treasurer is happy to clear the outstanding balance either to the court or the training facility.

Any help is appreciated? Not sure if this is the right place to post either? Its my first post so please be kind!

Thanks:cool:

mattkingo

Is there anyone who can offer a solution or some advice please?

katsu

This sounds a bit complicated - maybe Citizens Advice can help you? If not you could try Business Debtline?

To get the CCJ satisfied you would need to pay off the debt, but that would not remove it from your record. I don't know if you could get the judgement set-aside - did you not receive any further documents from the court? Was it not clear that it was a CCJ awarded against you at the time?