CCJ advice

jotoon

I'm hoping this is in the right section.....

Today I received a letter from a debt collector stating that they had sold my debt on to another collector so I checked my credit report and discovered that I have a CCJ. This was filed in February 2014 to an address that I hadn't lived at since mid 2010 and even that was only a temp address for around 3 months. My credit report shows that this relates to a debt that I defaulted on in mid 2009. The debt was already with collectors and I was paying but the reason I then defaulted is because I fled from an abusive partner and took minimal belongings which meant I had no way of contacting the debt collectors.

I then moved into a new place in 2010 which I stayed at until 2014 and registered everything to that address and was also on the electoral roll there so why would the debt collectors not be able to find me?? The letter I have received today is the first correspondence since I left the abusive partner years ago.

My question is really, is there anything I can do about applying to the court and explaining my situation to get the CCJ removed or something as I feel it is a little unfair.

[Deleted User]

Did you give the company your new address? If not, presumably they used the last known address for you.

I doubt there's anything you can do about it now.

HappyMJ

jotoon wrote: »

I'm hoping this is in the right section.....

Today I received a letter from a debt collector stating that they had sold my debt on to another collector so I checked my credit report and discovered that I have a CCJ. This was filed in February 2014 to an address that I hadn't lived at since mid 2010 and even that was only a temp address for around 3 months. My credit report shows that this relates to a debt that I defaulted on in mid 2009. The debt was already with collectors and I was paying but the reason I then defaulted is because I fled from an abusive partner and took minimal belongings which meant I had no way of contacting the debt collectors.

I then moved into a new place in 2010 which I stayed at until 2014 and registered everything to that address and was also on the electoral roll there so why would the debt collectors not be able to find me?? The letter I have received today is the first correspondence since I left the abusive partner years ago.

My question is really, is there anything I can do about applying to the court and explaining my situation to get the CCJ removed or something as I feel it is a little unfair.

Apply to have the CCJ set aside. The process will start again using your current address. Pay the new CCJ within 28 days and apply to have it removed from record and your credit record will be clean. If you can't pay it though you would be risking starting a new 6 year period for it to be removed so you may want to reconsider.

fermi

dbadz wrote: »

Guys please post this as a new post as I am new to this site and have no idea how to start a new thread.

----> https://forums.moneysavingexpert.com/discussion/5354527