Credit check revealled unknown CCJ???

8yf13l8

Hi:(

I joined noddle (a free credit checker service) september last year, to my suprise it revealed my score was in the red "very poor" which is stange because I worked very hard to maintain my healthy credit score which I build up with the help of expearian in 2011/2012.
When analysing my profile it displayed a CCJ tarnishing my record. I had no clues as to why this would be as I am generally OCD with my creditors repayments, and no warning letters etc.
The only details provided on Noddle was like this...
Court Name: County Court Business Centre.
Date: 15/05/2015.
Amount: £424.
Reference: 123456789.

After some investigation with my local county court, with the reference number shown, the claimant was 'DSG Retail Ltd', To which I happen to know that DSG is actually 'Dixons Retail Plc' - My ex employer, claiming an amount of overpayment of salary.

It turns out what happened, I left Dixons Retail in December 2014 due to ill health. In march 2014, I moved out of house 1 in to house 2 and updated my superiours by email (to which I still have) stating new address, date of move etc. So from march 2014 to december 2014 (point of departure) I was living and working from house 2.

But when Dixons begain proceeding of reclaiming the alleged amount of £424, all corresponding letters on this matter was sent to house 1 - the wrong house, so obviously me not being in any knowledge of what was happenning, this County Court Judgement had been made in my absence somehow, which seems totally ridiculous. Especially as it was for an amount I would have ressolved quickly once made aware - IF I HAD KNOWN ABOUT IT.

I was provided the postage address for the dixons retail legal team - whom apparently where now overseeing the matter.

I sent a recorded signed-for letter to the team challenging their claim by outlining my case and attached printed copies of my email threads to my line managers proving I had notified the company adequatley on my change of address from home 1 to home 2.

The the generall responce I got got from them in responce to my letter basically put blunt was - tough, pay it now please.

Fearful for my wife and 1 year old boy, I did not want the case escalated to the high courts and end up with possibilities of dealing with bailiffs etc, so I paid the amount in full.
I ended up paying an extra £15 to the county court to recieve a certificate of satisfied CCJ and to have it marked on my credit file as satisfactory which in itself seemed a rip-off.

That brings me up to date on this really.

My question is: Is there a basic foundation of a successfull case here that I could escalate further to a governing body to get this CCJ withdawn?
Or because I have paid the debt in full does that make the case unrevisitable?

I am revisiting the subject as I am still dealing with the fallout of the CCJ tarnishing my record. My car is in a bad way and I need it for work, Only today, I was refused any finance, PCP or HP on a newer car so i am stuffed once my car finally gives out. It really put a strain on our family life. Plus we have had to put back our mortgage plans by an extra 5 years untill my CCJ dropps off my credit file.

Please advise any one .

Many thanks

Jamie.

jamesd

I'm a little puzzled about why you didn't apply to the court to have the judgement set aside (completely removed, not just satisfied) on the basis that the claimant knew your current address but gave the court the wrong one to get the default judgement result?

Arleen

While you had options before, now after paying the judgement you are, more or less, out of luck as you've not only admitted to owe the money but instead of challenging the judgement you've paid it.

What you can do now is start saving hard and budgeting for the upcoming troubles with your car.

8yf13l8

When I initially contacted the CCBC, they told me and led me to believe that as my CCJ as it is over a month (30 days) old, there is no option to ever get it removed.
I had no dispute with the amount owed.
I have proof that my line managers and the department/depot I worked at knew my new address, wether the communication got as far as HR I am not sure.

I am just amazed on how County Courts can make such Judgements on people with such minimal facts. I would have asked the question: Have we verfified the occupant is still at the address due to lack of responce etc.

Regards

Jamie

8yf13l8

Sorry about the poor grammer... lol

Arleen

8yf13l8 wrote: »

When I initially contacted the CCBC, they told me and led me to believe that as my CCJ as it is over a month (30 days) old, there is no option to ever get it removed.
I had no dispute with the amount owed.
I have proof that my line managers and the department/depot I worked at knew my new address, wether the communication got as far as HR I am not sure.

I am just amazed on how County Courts can make such Judgements on people with such minimal facts. I would have asked the question: Have we verfified the occupant is still at the address due to lack of responce etc.

Regards

Jamie

In eyes of the courts you ignored the paperwork and thus judgement was given in your absence. If courts were to somehow verify every parties addresses for each lawsuit before moving on with it then we would go from quick and swift courts to slow ones that take years for simplest of cases (just like it is in some other countries that do so).
Since that was not the case then you have a route to have the judgement set aside once you've found out about the case, which is your way to fight back against this. Additionally if they have knowingly provided court with false information that may constitute a fraud. And that is why I said "more or less out of luck", as this route is still technically open to you. But it's not an easy route as it will take time and/or money and the first stop would be a visit to the police station.
But proving that you've followed the route outlaid in your contract on how to update the address is going to be very problematic. Then you will have to explain, sufficiently, why would you just pay the CCJ rather than arguing it then, did facts change between those times? As it is from outsiders perspective it just looks like you are now trying to weasel out of an obligation and you will have to prove otherwise.

Anthorn

CCJs are not removed when you fully pay the debt after 30 days. They are marked as satisfied. But they drop off the register of judgements after 6 years. Lenders don't get information about CCJs from CRAs. They get it from the register of judgements. It is your responsibility to correct any erroneous information about the CCJ at the CRA. If it is not corrected that's your responsibility.

First step is to stop assuming and search the register of judgements which costs £4. It's not too late to get the judgement set aside and you can apply for that in the light of new information and new evidence.

https://www.gov.uk/county-court-judgments-ccj-for-debt/ccjs-and-your-credit-rating

jamesd

8yf13l8 wrote: »

When I initially contacted the CCBC, they told me and led me to believe that as my CCJ as it is over a month (30 days) old, there is no option to ever get it removed.

Whoever the CCBC are, perhaps the County Court Business Centre, they misled you because having a claimant who knows your right address supplying the court with a wrong one is grounds to have the judgement set aside.

If it is the County court Business Centre, did they know about the wrong address being supplied before telling you that? If so, a complaint about them giving incorrect guidance seems appropriate.

I suggest contacting the court to seek to have the judgement set aside. As Anthorn notes you'll have to explain why it's being done now and the incorrect guidance of the CCBC may be a key thing.