Help! Trying to mark CCJ as satisfied

Loujosh

Hello! I'm new to posting so I hope I'm doing it right! I am trying to 'sort' out' my credit file as we are trying to apply for a mortgage. I have an old CCJ on my file from September 2010 for £312 which was owed to HFO capital. Back in January I contacted them asking to pay off the full amount but they informed me the debt had been passed on to link finance. I then contacted Link and paid off the full amount. The problem I'm having now is getting the CCJ marked as satisfied on my credit report. I have sent the letter/receipt/proof of payment Link finance sent me to all the credit agencies and the Court the CCJ is registered with but they have all said that as the CCJ is registered with a different company they can not mark it as satisfied as I have paid a different company! I'm getting very frustrated, HFO capital are not intrested and say it's up to Link Finance to inform the credit agencies yet Link Finance are not even aware that the debt was a CCJ. Surely HFO capital should of informed the court that they had passed on the debt and changed the records held by Court to show this? Has anyone had experience of any thing like this? Any advice would be much appreciated!

Marktheshark

It wont make the slightest difference satisfied or not, a CCJ is a CCJ.
Your stuck with it for six years.

rizla_king

Have you got a notice of assignment letter for the debt?

Loujosh

I'm aware that the CCJ will still be on my file for 6 years but mortgage adviser has said it will make my credit file look better to lenders if it's marked as satisfied.

No I have never received a notice of assignment ~ I didn't even know that the debt had been sold on! I was only told of this when I contacted HFO to pay the debt.

rizla_king

Have you asked them to confirm in writing it was sold?

or apply for a certificate of satisfaction. http://hmctsformfinder.justice.gov.uk/HMCTS/GetForm.do?court_forms_id=1157 Court then writes to the creditor on the ccj.

If you cannot provide the
court with evidence of full
payment, the court will write
to the creditor to confirm that
the debt has been paid. If the
court does not hear from the
creditor within one month, it
will issue a certificate.

Marktheshark

My advice is explore if it can be overturned with a N244 application, they often do not even defend them.
Paying it is throwing good money after bad, debt collectors will smell desperation and clean you out and the CCJ will still be unsatisfied.
Satisfied or not, it wont make the slightest difference to your credit rating.
But if it still shows unpaid and you paid a dodgy debt collector some money they were not even owed I would look at spending the next lot at challenging the CCJ with a N244 and see if they can be bothered even turning up to a new case at court.
If it succeeds its gone altogether.
Anything else is just throwing money down the drain.