CCJ in my name that isn't mine

rft12820

Hi,

I've just checked my credit file and found a CCJ on there in my name, the only mistake being that it is for 'Mr' whereas I am a 'Miss'.

The CCJ infact belongs to my dad, who shares the same initials as me and we live at the same address - the CCJ on my credit report however is under my full name (just with the incorrect title.)

He has contacted the company who issued the CCJ and they have said they are waiting to hear back from the courts before they can cancel the CCJ in my name.

I've contacted the CRA I've seen the CCJ on and they've said there's nothing they can do as it is under the correct name and we share an address (?!)

My question is, do I need to contact the other CRA's separately to see if they can remove the CCJ from my report?
Or will it automatically be removed form all the CRA when the company hears back from the court?

rizla_king

Is it on your credit report as Mr or Miss?

rft12820

Its on my credit report as Mr My Name.

I am a Miss, so its clearly not mine, but its in my name (does that make sense?)

atolaas

rft12820 wrote: »

Its on my credit report as Mr My Name.

I am a Miss, so its clearly not mine, but its in my name (does that make sense?)

Apologies for being dense but do you mean for example


Mr Angela Jane Hughes rather than Mr Arthur James Hughes??


Is that what you mean?

rizla_king

In that case the CRA here

rft12820 wrote: »

I've contacted the CRA I've seen the CCJ on and they've said there's nothing they can do as it is under the correct name and we share an address (?!)

is telling you a complete load of bullsheet.

Do they think you've had a sex change or something? Does the sex of the person who the CCJ is against not matter when determining whether its you or not whose file it should go on.

The CRA have cocked up here and put it on your file when they shouldnt have.

What CRA is being this dimwitted?

rft12820

Yeah

So basically for example the CCJ is actually intended for Mr Tom Jones. However, its appeared on my credit report (Miss Tina Jones), however it appears on my credit report as being for Mr Tina Jones.... A person who doesn't exist haha. Hope that makes it clearer.

I'm just keen to get it sorted as its been on there for over a month now, and I am planning on applying for a mortgage later in the year and wouldn't wan't it to affect my chances of being approved.

rft12820

rizla_king wrote: »

In that case the CRA here



is telling you a complete load of bullsheet.

Do they think you've had a sex change or something? Does the sex of the person who the CCJ is against not matter when determining whether its you or not whose file it should go on.

The CRA have cocked up here and put it on your file when they shouldnt have.

What CRA is being this dimwitted?

Haha well yes I thought so too, but wasn't sure how to reply to their letter.

The CRA is Noddle! I don't have access to the other 2 at the moment as I used my free trial with them last year, but obviously will sign up to check its been removed later.

I wonder if the problem is also stemming from the fact that the company who has sent the CCJ has the persons name on their account to be Mr My Name (So Mr Tina Jones to keep in with the example above). It's obviously something that my dad should have changed years ago, but we've both seen letters from this company and assumed they had just used the electoral role to get his address and picked the incorrect 'T Jones' from the list so never did anything about it.

rizla_king

It a double cok up then. The CRA and the company making the court claim. Both failed to make the proper legal check they should.

rft12820

So what can I do about it other than wait for the company to hear back from the court? Do I need to contact anyone myself?

SnowTiger

rft12820 wrote: »

I wonder if the problem is also stemming from the fact that the company who has sent the CCJ has the persons name on their account to be Mr My Name (So Mr Tina Jones to keep in with the example above). It's obviously something that my dad should have changed years ago, but we've both seen letters from this company and assumed they had just used the electoral role to get his address and picked the incorrect 'T Jones' from the list so never did anything about it.

Years ago? Does that mean the original creditor used the wrong name?

Is the CCJ issued in your name?

If so, the only thing wrong here seems to be the title. Mr and not Miss. I don't know how significant that is.

Presumably you received court documents addressed to Mr Tina Jones and chose to ignore them because you're Miss Tina Jones? Thus, the CCJ was issued by default because there was no defence.

rft12820

Yes, the original creditor used the wrong name, as they've sent letters under my name with the Mr title. I've always just passed them onto my dad as I knew they were for him.

The CCJ has been issued in my name with the incorrect title. However the CCJ is intended for my dad, yet it appears on my credit report, under my name (the name the company has).

I've received no court documents but this may be because my dads opened the letters addressed to Mr Tina Jones (as he knew they would be for him) whilst I've been away at University... This must be the case as he knew about the CCJ and told me he was sorting it out as it had come in my name. However I then checked my credit report for the month and saw it on there.

So in effect he has contacted them to sort it but its still appeared on my credit report, and I'm wondering who/if I need to contact anyone else to get it removed, other than the company my Dad's contacted who have told us they're waiting to hear back from the court.