What a morning!

joeblack066

With a couple of hours on my hands I decided to do the free credit status checks that I've seen advertised - thank goodness I did. Everything was much as I thought until I checked the Court Files on Equifax - a CCJ for a whacking £23,00 sat there! Eeeeek! With the date and amount, it could only relate to a mortgage with atched unsecured loan that I repaid about 3.5 years ago, so after a few mad phone calls it transpires that although the mortgage account was settled correctly, the admin had not been done right on the unsecured part at the time. Though it was subsequently sorted, the resultant CCJ had already been applied, and a letter of satisfaction never sent. All this time I knew nothing about it as moved a couple of times before settling. I now have a letter of satisfaction winging it's way to me. Good grief!
BTW, can anyone tell me what I do with the letter when it comes?

Thanks, Joe.

Tixy

Wow - a bit scary for sure.

It depends on what this letter shows.
If it shows it was settled more than 30days after the CCJ (and this is correct) then you send it to court and they mark the CCJ as settled - but it still stays on file for the remainder of the 6years (from the date of CCJ)

If it shows that the debt was satisfied before the date of the CCJ then I think you will need to apply to court to get the judgment set aside. Problem is there is a fee to do this and it seems unfair that you should have to pay for it when it was someone else's error.

If it shows it was settled within 30days of the CCJ being issued then you send it to court and they remove the CCJ from your file as though it had never been there.

If it shows it was settled more than 30days after the CCJ (and this is incorrect) then things are going to be more tricky as you'll need to establish why it wasn't shown as settled before a CCJ was taken out.

joeblack066

Knew it wouldn't be easy, nothing ever is! :-) It was with a - ahem- well known bank that we ALL now own (!) who seemed to be good at c**king up their paperwork at the time!