Turns out I have a CCJ...

Jaytee1987

Hi guys,

First time poster and I am in dire peril. Ok maybe I am over exaggeratting slightly.

Basically I have just run a free credit report via Experian and have been told I have a CCJ on my credit rating. This isn't good....

The brief history is I had a dispute with an ex-girlfriend over some money I borrowed while we were together. She wanted me to pay her back what she thought I owed and predictably we disputed over what the actual figure was. Now she took the claim to the small claims court and I was told by numerous people that I could try mediation as the courts actually preferred if people settled without wasting the courts time.

So my ex sent her "account" of what was owed and I sent mine back noting that she has actually included multiple items more than once and/or things that simply never were bought. So I sent back my revised break down expecting her to just disagree again (the difference was a whopping £3500 - I worked out it at £1500 and she claimed it was £5000). But I received a letter back saying that I was now ordered to pay this amount as she had agreed and it was now a County Court Judgement?! No mediation, no help, no agreement, just BOOM six years of rubbish credit.

Firstly I was informed I would go through a mediation process and agree a payment method and or amount to pay back to her. Secondly I signed paperwork saying that I owed that amount, for her to suddenly agree to it and this now gives me a CCJ?! I am now untouchable for credit....

Is it that easy to screw up peoples credit?! If so my mortal enemies are in for a shock when they apply for a fancy new store card lol.

All joking aside I cannot believe how this has happened and I feel tricked into this and now I cannot move into a new flat because of said CCJ.

Any ideas/thoughts would be greatly appreciated.

Cheers

-JT

fatbelly

You say 'I signed paperwork saying that I owed that amount'

So do you now have a ccj for £5000 or £1500?

Jaytee1987

£1500 - I have been paying for about 5 months at £80 a month....

jonjamie1970

Did you attend court after mediation, seems she must have done to get the CCJ ???

Jaytee1987

No I never went to court...

fatbelly

You have a forthwith order for £1500, which you admit you owe. It's not clear whether you are making payments.

To change this ccj to an instalment order, and thus prevent enforcement action, follow this factsheet

Factsheet | Reducing payments or suspending a Bailiff's Warrant on a County Court Judgment

sp1987

She told you it was more than it was to get you to correct it and advise of the correct amount. Oldest method of getting someone to admit a debt for court papers, to be blunt. There are few people who will not just fire a letter straight back having a rant about the inflated figures.

Truth is, had you not admitted it she would not have been able realistically to prove at court it was ever a loan. That is not to say I agree with that approach.