Clearing our old debts and tidying up my credit record

TychoBrahe

Hi,

I've got two credit agreements totalling ~£500 and a CCJ of £587.

Credit agreements:

I've attempted to clear the credit agreements off after checking my credit report. They're listed as Arrow Group but have been passed to Rossendales. I've got my case number for them both but Rossendales isn't accepting that number via their automated service and I can't seem to contact a real person. Does anyone know how to do this?

CCJ:

This was part of an OU course that I was doing. Just prior to the course, having signed up for the student credit agreement, I left my wife and that address behind. I completely forgot about that commitment and it wasn't until I had a credit report a couple of years later that I saw it on there. I didn't receive any court summons and I've heard this is a cause for the CCJ to be invalid.

I've got the means to pay both debts and am willing to pay but I don't know what my next steps are. Any help would be great.

TakingControl

TychoBrahe wrote: »

Hi,

I've got two credit agreements totalling ~£500 and a CCJ of £587.

Credit agreements:

I've attempted to clear the credit agreements off after checking my credit report. They're listed as Arrow Group but have been passed to Rossendales. I've got my case number for them both but Rossendales isn't accepting that number via their automated service and I can't seem to contact a real person. Does anyone know how to do this?

Send them a letter requesting the information?

TychoBrahe wrote: »

CCJ:

This was part of an OU course that I was doing. Just prior to the course, having signed up for the student credit agreement, I left my wife and that address behind. I completely forgot about that commitment and it wasn't until I had a credit report a couple of years later that I saw it on there. I didn't receive any court summons and I've heard this is a cause for the CCJ to be invalid.

I've got the means to pay both debts and am willing to pay but I don't know what my next steps are. Any help would be great.

Why would the CCJ be invalid considering you didn't update the creditor with your new adress after moving?

TychoBrahe

TakingControl wrote: »

Send them a letter requesting the information?



Why would the CCJ be invalid considering you didn't update the creditor with your new adress after moving?

I'm struggling to work out if you consider that as genuinely useful advice or you're just petty point scoring on a forum.

JustinCredibleGillespie

Heres the customer service enquiry line telephone number for Rossendales. This is not the automated enquiry line.

0844 701 3980

JCG

xx

TakingControl

TychoBrahe wrote: »

I'm struggling to work out if you consider that as genuinely useful advice or you're just petty point scoring on a forum.

Why would I want to point score? It isnt the creditors responsibility to update adress changes but yours. So if the creditor has send court documents to the last known address then that is all they need to do.

TychoBrahe

TakingControl wrote: »

Why would I want to point score? It isnt the creditors responsibility to update adress changes but yours. So if the creditor has send court documents to the last known address then that is all they need to do.

No but if I am issued a summons it needs to have actually gone to me. So what I'm after is facts rather than conjecture.

TychoBrahe

JustinCredibleGillespie wrote: »

Heres the customer service enquiry line telephone number for Rossendales. This is not the automated enquiry line.

0844 701 3980

JCG

xx

Thanks for the information.

talana

TychoBrahe wrote: »

No but if I am issued a summons it needs to have actually gone to me. So what I'm after is facts rather than conjecture.

I believe you were given facts. It has to go to the last known address only...

TakingControl

TychoBrahe wrote: »

No but if I am issued a summons it needs to have actually gone to me. So what I'm after is facts rather than conjecture.

Unfortunately not. If you had given your address to the creditor and could prove it you might be able to get the CCJ set aside and then negotiate to pay the creditor which would remove the CCJ from your record. But if you didn't then you won't.

TychoBrahe

TakingControl wrote: »

Unfortunately not. If you had given your address to the creditor and could prove it you might be able to get the CCJ set aside and then negotiate to pay the creditor which would remove the CCJ from your record. But if you didn't then you won't.

Ok, so next steps and implications for the CCJ? Does that remain on my record for 6years paid or otherwise?

TakingControl

TychoBrahe wrote: »

Ok, so next steps and implications for the CCJ? Does that remain on my record for 6years paid or otherwise?

The CCJ will fall off your credit file 6 years from judgement date, paid or not. But please note, CCJ don't have a statue barred limit and you will still have to settle it.