judgement on my credit file?

printerboy

ive had an experian warning after typing in my last 7years of addresses, a previous address has a judgement/public record

infacts its duplicated as entry J1 and J2, why two ?! there both the same.

what is it, how do i find out?
im in the process of working out if need to go bankrupt.

Name: *****
Address: *****
Information type: Judgment
Date: 25/10/2011
Court: NORTHAMPTON COUNTY COURT
Case number: *****
Amount: £2,906
Information Source: Registry Trust Ltd
Note:
If you have paid a judgment you should contact the court and make sure they are informed. You may wish to request a Certificate of Satisfaction as proof of the change. We will be told that the judgment is satisfied and

National_Debtline

Hello there.

You should be able to get further information by contacting Northampton County Court. That particular court is the 'bulk centre' and is often used by major creditors.

If you believe there to be an error (e.g. if you don't believe you have a debt with the claimant) you may be able to apply to have the judgment 'set aside':

will the court agree to set aside a judgment?
The county court rules set out when you can apply to set aside a judgment. For example:

• an order was made against you in your absence, in certain circumstances;
• there may be an error in the judgment;
• you want to put in a defence and did not have the opportunity to do this;
• the proceedings did not follow the court rules.

Default judgment

You may have a default judgment made against you where there was no hearing and you have not sent back the ‘acknowledgment of service’ form to say you intend to put in a defence. You may also have a default judgment made against you if you have not sent in the reply form asking for time to pay within the time limits.
When must the court set aside the judgment?

The court must set aside the default judgment if you:

• have paid the whole amount owed (including any interest and costs) before the date the creditor entered judgment;
• sent back the acknowledgment of service form within the time limit;
• put in a defence within the time limit; or
• sent in the reply form within the time limit asking for more time to pay.

The court must set aside the judgment in these circumstances, even if you do not have a defence.
There is no time limit for making an application on these grounds.
When is it up to the court to decide?

The court may agree to set aside the default judgment even if you did not send in a reply form within the time limit if:

• the court thinks you have a real chance of a successful defence to the claim; or
• the court thinks there is some other good reason why the judgment should be set aside.

There is no time limit for making an application on these grounds but the court will look at whether you made the application ‘promptly’.
AdviceIf you did not deal with the papers or go to a hearing because you were ill, in hospital or away and have a defence then this may be a good reason to set aside a judgment.
I did not get the court papers

If you did not get the court papers through the post the court will not always agree that this is a good reason to set aside the judgment. The court is allowed to send the papers to your usual or last known address (even if you have moved). If you have given your creditors your new address then they should contact you there.
If they still send the papers to your old address then you may have good reason for the judgment to be set aside.
If you did not get the claim form, you will usually need to show you have a defence or other good reason as well, for the court to set aside the judgment unless:

• you can prove you gave the creditor your new address;
• the claim was not made following the rules, for example, they were sent to the wrong address, lost in the post; or
• the post office returned the claim papers as they were not able to deliver them.

*****

If you know that you owew the money you might wish to make an application to 'vary' the judgment instead. This will allow you to pay the debt in affordable instalments and should prevent any further enforcement action being taken. The process costs £40, you would need to apply on the n245 form.

Best wishes,

National Debtline.