Help needed ref CCJ

sammy115

Are the default and the CCJ for the same debt.

Don't worry about sounding aggressive - in my experience you will need all the aggression you can muster to persevere. (Just a warning!) I have recently had two defaults removed (although the money wasn't owed).

I think if you can have the CCJ set aside and you pay it, you can then technically ask them to remove the default - not sure if you can have a default and a CCJ for the same debt, surely a CCJ is a stage further on from a default. Worth checking out! Good luck

Chemical_Grrl

sammy115 wrote: »

Are the default and the CCJ for the same debt.

Don't worry about sounding aggressive - in my experience you will need all the aggression you can muster to persevere. (Just a warning!) I have recently had two defaults removed (although the money wasn't owed).

I think if you can have the CCJ set aside and you pay it, you can then technically ask them to remove the default - not sure if you can have a default and a CCJ for the same debt, surely a CCJ is a stage further on from a default. Worth checking out! Good luck

Hi Sammy

Yes the default and the CCJ are for the same debt, Ive made an appointment to see CAB next Tuesday so ill be getting some advise about it then, I really hope I can get this removed because me and my boyfriend want to buy a property which is going to prove difficult if I have this on credit record.

Thank you all for your support

Chemical_Grrl

sammy115 wrote: »

Are the default and the CCJ for the same debt.

Don't worry about sounding aggressive - in my experience you will need all the aggression you can muster to persevere. (Just a warning!) I have recently had two defaults removed (although the money wasn't owed).

I think if you can have the CCJ set aside and you pay it, you can then technically ask them to remove the default - not sure if you can have a default and a CCJ for the same debt, surely a CCJ is a stage further on from a default. Worth checking out! Good luck

Anyone else got any ideas about this?

fermi

All the info I have seen states that the default on your CRF and the CCJ are two separate entities.

If the CCJ is 'set aside' then the default remains, as it is independent of the CCJ.

A default notice on a credit agreement is required by law before the creditor can take further action against you, but any annulment of that subsequent action does not remove the default.

The only grounds for removing a default are if it was issued in error, or issued incorrectly. Subsequent settlement of the account does not remove the default unless settlement is made within the time limit stated on the default notice (usually 14 days).

Incorrectly can under some circumstances include the default notice letter being sent to an address that you were no longer resident at. If the CAB advisor knows his stuff he should be able to advise you on what steps to take.

SunderlandBlackCat

You might be able to get some help from community legal service. They're free & government funded. http://www.clsdirect.org.uk/index.jsp

Chemical_Grrl

See my post at the top :beer: :j

Burlesque_Babe

Well done Chemical_Grrl, you must be very pleased.