CCJ not notified Hoist Portfolio

babyj_16

Hi All,

I'm wondering if anyone can help.


I've gotten myself into some mess in my late teens early 20's and am trying to sort it out now. I was on a DMP with Payplan but became a single mother last year
and have been struggling and just starting to get back on track. I was hoping to be able to get enough cash together in the next 6 months (budgeting and borrowing)
to offer F&FS to get my debts cleared off have just checked my credit report and saw a CCJ was registered against me last month which I am unaware of. I couldn't even tell you which debt it relates to as the amount doesn't match up to anything I owe and the DCA it's with I have never heard of.


It appears they sent the papers to my previous address which I moved out of 6 months ago.
I know its my own fault for not updating my creditors with my new details but I moved in a hurry as my ex was stalking me at the time.


I wanted to do F&FS as my defaults all fall off in the next 18 months
so my credit may have been good enough to get a mortgage
but obviously the CCJ scuppers things for the next 6 years


Is there anyway to get it removed as I wasn't notified about it?
If not I may as well sign up for an IVA as my credit will be ruined for the same amount of time then anyway x

sourcrates

Hi,

You can file an application with the court to get the judgement set aside, as you didn't receive the original court papers.
There is a fee of £255.00 for this though, but if you are on a low income, you can apply for a fee remission at the same time.

The court would need a good reason as to why the judgement should be set aside, even if you succeed, there's nothing to stop the creditor going to court again.