I have a CCJ - and I knew nothing about it!

jmima

Applying for a house and wanted to see what Experian had on me as I know I have debts and it seems I have a CCJ - and I knew nothing about it!!!!!!!!!!!!

My credit rating is showing as 722 - what does that mean?

rizla_king

Ignore the credit rating. It's a made up number. Get the CCJ sorted.

jmima

How?!?!? The details of the court are on there as is the case number, so would I just get in touch and ask them about it? I don't even know what it's for! It's from Northampton court - and I've never been to Nortampton in my life!!!!

rizla_king

Yes, contact the court and find out what it is about.

Northampton is the county court bulk processing centre. Most debt court claims are done through that no matter where you live. If you contest something then it is transferred to your local court.

kirkbyinfurnesslad_2

rizla_king wrote: »

Yes, contact the court and find out what it is about.

Northampton is the county court bulk processing centre. Most debt court claims are done through that no matter where you live. If you contest something then it is transferred to your local court.

Thats correct,its like a mass clearing centre.

You need to do an application to set aside. That will cost you £80.00. Having not received the claim is a good reason for the set aside, however you need to have a defence that has a realistic prospect of success as well to hand (for the set aside hearing

first of all who issued the CCJ???

Thrugelmir

kirkbyinfurnesslad wrote: »

Having not received the claim is a good reason for the set aside,

Not if it was served at the correct address.

kirkbyinfurnesslad_2

Thrugelmir wrote: »

Not if it was served at the correct address.

If the claimant did not court receive paper work AND has a realistic prospect of success with regards to a defence then it is likely a judge will grant a set a side.

rizla_king

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=12_how_to_set_aside_a_judgment_in_the_county_court

I did not get the court papers

If you did not get the court papers through the post the court will not always agree that this is a good reason to set aside the judgment. The court is allowed to send the papers to your usual or last known address (even if you have moved). If you have given your creditors your new address then they should contact you there.

If they still send the papers to your old address then you may have good reason for the judgment to be set aside.

If you did not get the claim form, you will usually need to show you have a defence or other good reason as well, for the court to set aside the judgment unless:

• you can prove you gave the creditor your new address;
• the claim was not made following the rules, for example, they were sent to the wrong address, lost in the post; or
• the post office returned the claim papers as they were not able to deliver them.

Thrugelmir

kirkbyinfurnesslad wrote: »

If the claimant did not court receive paper work AND has a realistic prospect of success with regards to a defence then it is likely a judge will grant a set a side.

You'd need something more substantial than merely non receipt of the court papers as a defence.

kirkbyinfurnesslad_2

Yes I worded that badly sorry.

You would need at least a good skeleton argument at a set aside hearing as a minimum,

jmima

Right thank you. I think that makes sense.

No, I never received any court papers, and no, I have no idea what the debt is.