Wrongly issued CCJ

alykat

Hi,
In 2009 I had a damage only car accident involving another car. My car was repaired and that was the last I heard until March this year ( over 4 years after the accident ) I received an email from my ins co stating that I needed to get a certificate of satisfaction from the county court. As I had no idea what they were talking about I called them and found out that they had disputed the other parties excessive hire care costs so failed to settle, the other drivers ins co legal team issued a ccj against my name , no correspondence was ever received from anyone about this) Over the last few years I was unable to get any credit whatsoever from a store card to a remortgage and was at a loss as to why . I have started the complaints procedure with my insurance company as to their negligence and lack of duty of care to inform me of what was going on and the effect this has had on me over the last few years . Any advice would be appreciated.
Many Thanks

patman99

You can go to the Court and get the CCJ removed as long as you had no prior knowledge of it.

I believe the process involves finding out which Court issued the CCJ, then applying to have it struck-off due to the fact you had no chance to defend yourself.

I would say that your insurance co. should be doing this as it was their decision to argue the toss over the car hire fees.

happygirl148

https://www.gov.uk/county-court-judgments-ccj-for-debt/if-you-dont-owe-the-money

you can read about setting aside a ccj on the link provided