DRO, problem with a CCJ on our report

derbyco1

Hi,
Today we finally took the decision to start my wife's DRO process so we phoned Stepchange and they were great.
They performed there credit check with callcredit and it came back as my wife having a £13,000 CCJ against her name.

Now, we know nothing about this and have never recieved any paperwork or information regarding this.

We went on a site called TrustOnline.org and paid £4 to obtain information regarding her CCJ history.
It was there, £13,000 dated January 2011, in her pre-marital surname but with no date of birth.

So here's the only thing we can think of:
About 1-2 years before this, my dad and his ex partner committed fraud. They were both charged and served a sentence.
My wife and i got roped into this mess because they also conned us. My dad asked if his wages could be paid into our joint bank account because he was having problems with his bank. Of course we said no problem.
What they had actually done was set up a fake payroll number and 'person' and had wages for a pretend person paid into our account. (His ex was incharge of wages/payroll).

So we got investigated because of this and were cleared of any wrong doing and didn't have to attend any court.

Is it possible the company that they commited fraud against have brought a civil court case against us because our bank accounts were involved???

Thanks.

debt_doctor

Hi,

Yes it is possible. As you have the CCJ details then you have the creditor details and you should speak to them. From that you may be able to find out why you were not notified of any court action.
To remove (or attempt to )the CCJ, you would have to apply to the court for a set aside, cost £80 unless exempt / part exempt from the fee.
The court would then consider your application and consider it's merits.

DD

derbyco1

Well we dont actually have the details of who brought the ccj against her, just a case number.........
Any idea of how we get more information?

Thanks again.

debt_doctor

Yes,
Contact your local court or Northampton bulk centre and give the claim number. The letters in the claim reference denote which court considered the claim. Once you know the court, then you can contact them for information.

DD

derbyco1

SOOooooo,
Spoke to the court involved this morning and the case was struck out in Feb 2011, meaning she no longer has to pay the CCJ.

Basically the paperwork was sent to an address we lived at about 3 years ago so we obviously had to idea about it. And due to us not responding the court granted the CCJ in her absence!!

The company that claimed the CCJ pulled out which is why it was struck off.

BUT, even though she is guilty of nothing and didnt have a clue about it, it still goes on her credit file!!

We are now in the process of having the CCJ set aside.

Cant believe this has actually happend!