CCJ Removal

Bugalugs

I'm now 37, but in my twenties I wasn't so good with money, and neglected a few smaller items, resulting in two defaults which are due to 'drop off' in 2014. I have a contract mobile phone, a 'normal' bank account (with Santander), excellent payment records on rent and utilities and no other forms of credit. I've also been on the electoral roll at my current address since 2010. I was surprised to be turned down recently when trying to swap bank accounts. After using 'check my file', I'm horrified to see that Call Credit are reporting a CCJ of £1235, listing it as active.

I've checked my paperwork and have the 'Certificate of Satisfaction or Cancellation of Judgement Debt' which states 'This certificate confirms, for the purpose of the Refister of Judgements, Orders and Fines Regulations 2005, that: This debt, including any interest, is satisfied. A notification will be issued to the Keeper of the Register of Judgments, Orders and Fines for the entry to be REMOVED (as payment has been made in full within one month).

I know that as it was from May 2008, it will officially 'drop off' in 2014, but actually I'm keen to get it removed completely as I think I'm correct in saying (as per the above letter) that it shouldn't have appeared anyway. The notes on 'checkmyfile' state "Such information remains on your credit report for six years, even if the judgment is paid or if the insolvency is discharged. Lenders make little if any distinction between satisfied or unsatisfied judgments.....Lenders often apply 'policy rules' when assessing applicants with judgments or insolvencies recorded against them. Usually the policy rule is to decline the application. Only 'sub-prime' lenders will consider applicants with court information recorded. For those with judgments, there is no legal limit, but even sub-prime lenders will lend only relatively small amounts, and always at much more expensive interest rates than usual."

Any help/advice would be gratefully recieved - the debt was with Sheffield County Court.

fermi

- The court should have given notice to the registry trust to remove the CCJ registration.
- The registry trust should have updated their register which the CRAs get their info from.
- The CRA should have then removed the entry from your file.

Somewhere on one of those 3 stages the process must have broken down. You are going to have to work through those to find out where and get it sorted.

- Query the court to see if they actually sent it on.
- Query the CRA to perhaps make sure they are picking up the correct data.

- You can also check the register of judgements and fines yourself for a fee if really needed. Say for example if both court and CRA pass the buck, so you can see for certain who is as fault. If the court was at fault, it would be on the register. If the CRA is at fault, it won't be.

fermi

You can also send a copy of the COS to the CRAs, which may "speed things up".

Though depending on the CRA, if the info held by the registry trust is out of date, then they may refuse to change it until they get updated.

Bugalugs

fermi wrote: »

You can also send a copy of the COS to the CRAs, which may "speed things up".

Though depending on the CRA, if the info held by the registry trust is out of date, then they may refuse to change it until they get updated.

Thanks, I've just scanned the letter onto a memory stick. I did email Sheffield County Court on 23rd May as soon as I found out about it, but haven't heard anything back (yet). Do you think I should send them a letter recorded delivery?

Bugalugs

**Quick Update**
Have just used the search function (cost £10) on the Registry Trust, and it states nothing registered. I have just had a thought that the CCJ was issued when I lived at a different address - are the results registered by name or just address?