CCJ Black Horse! Help please!

henryb1

Hi all,

Back in 2005 i defaulted on car finance from Black Horse which resulted in me sending the car back to them, and i was left with £8000 to pay back and a CCJ. I started paying them back at £50 per month and then increased to £100 per month once my financial situation improved.

I was expecting this to be removed from my credit file in 2011. However, i have recently checked my credit file and seen i have a new CCJ from them for the same loan, issued May 2012. I have called them and it was due to me not giving them an up to date finacial statement! Obviously i am very annoyed at this as i have never missed a monthly payment to them!

Can this CCJ be contested or am i just wasting my time?

Thanks and sorry if the above is badly worded!

rizla_king

They are not allowed to do two CCJs for the same debt. Cheeky ####ers. Contest it.

henryb1

rizla_king wrote: »

They are not allowed to do two CCJs for the same debt. Cheeky ####ers. Contest it.

Any idea how i go about that? Would i go through the courts or black horse themselves?

Thanks for the reply!

I_know_my_ABC_and_my_CMYK

henryb1 wrote: »

Any idea how i go about that? Would i go through the courts or black horse themselves?

Thanks for the reply!

For a second ccj it should have gone back to court. If you contact the courts you should be able to get it set aside if you had no prior knowledge to this, you can enter a defence if they 're apply.

If you speak to the courts they are usually very helpful. I also contact national debt line also.

rizla_king

I_know_my_ABC_and_my_CMYK wrote: »

If you speak to the courts they are usually very helpful. I also contact national debt line also.

Deffo do that.

HP debts and CCJs for possession of a vehicle or the debt itself can be odd so definitely need some professional advice from National Debtline.