CCJ help please

ianrivaldosmith

Good evening all. I have lurked through these forums for years and years and in the process have managed to get myself all the way up to an Amex gold card and car finance ! So thanks.

Now I require a bit help; I'll detail the situation below:-

My experian and Equifax credit files do not show the CCJ, only call credit does. So If I apply for credit, if they search Equifax or Experian, I pretty much get it. Call credit is instant decline....I have a CCJ that was issued March 2012, that ONLY just recently dropped on to my credit file, and that is how I found out about it.

Its for £260, from a childcare provider that is no longer in business. It was issued in March 2012. It was issued to an address that I moved out of when I split up with my girlfriend in 2010. So two years after I moved out. She also moved out in 2010. She also became solely liable for all childcare in 2010 as she was now a single parent. I simply paid child maintenance. I had no say in anything. Nursery etc...

My help needed is, how do I fill in the form N244N so that I can have this set aside? Do I have a good enough case?

Thanks
Ian

ianrivaldosmith

I should also mention, the childcare provider who apparently issued the CCJ, no longer exists. In the sense that, its still there, just trading under a new name.... I think it went bust, and got new owners.....

Appreciate all teh help for this set aside application I will make. Thanks!

Quentin

ianrivaldosmith wrote: »

...Do I have a good enough case?....

It seems that you neither knew about the court claim nor owed the claimant any money anyway so you certainly have a good enough case!

ianrivaldosmith

Brilliant. So is there any particular wa I should word all of this on the form? Also, any guide for filling it in?

Quentin

Try the legalbeagles forum for help on this

Thrugelmir

ianrivaldosmith wrote: »

My experian and Equifax credit files do not show the CCJ, only call credit does. So If I apply for credit, if they search Equifax or Experian, I pretty much get it.

Lenders will search the Trust Registry.

http://www.trustonline.org.uk/

ianrivaldosmith

I find that incorrect as I hold a barclaycard platinum, amex gold charge card, car finance, all taken out AFTER the CCJ....

Where is the legal beagles forum? thank you!

robber2

there you go;

https://www.google.co.uk/search?q=+legal+beagles+forum&ie=utf-8&oe=utf-8&gws_rd=cr&ei=zMCJVsB2xf1Qp_6NkAk

Good luck