CCJ - solicitors cease to exist

Senfty88

Hi, I recently checked my credit score and to my shock I found a ccj dating back 4 years for £608. i had no idea what it was for so called the court from which it was issued. Unfortunately the solicitors no longer exists! I'm now unsure as to what I can do, I have the money to pay so it's very frustrating. Any advice would be greatly appreciated

mwarby

Kinda depends on why your credit score is important, a CCJ of that value from 4 years ago might not have a massive effect. If your not wanting\needing new credit (high amounts especially) I'd be tempted to just let t run till 6 years are up and then disappear

If it's currently causing you problems, then I would in first instance look at adding a notice of correction to your credit file, stating you don't know what the ccj is for and have attempted contact with creditor but can't contact

Senfty88

Well i was hoping to buy my first house later next year! I might try and call the court again to see if they've got anymore details

chanz4

If they no longer exist apply for a set aside

Senfty88

Just looked in to the process of having it set aside. None of the reasons really relate to me though, and the £250 fee is a lot on money if it doesn't work

Senfty88

would the original company that I had the default with take payment for the CCJ or is it just the solicitors?

pappa_golf

the solicitor will have been acting for a company , what was the company?


or are you saying you owed a company of solicitor's the money?

Senfty88

it was a company, it could maybe of been a mobile phone contract. If I manage to track down who it was would I be able to pay them instead of the solicitors?

pappa_golf

mobile phone Co,s are not going to be using a solicitor that was due to go bust , did you owe a solicitor for work done?


if it was a company , the ccj would have been in the name of the company , not the solicitor handling the claim

DCFC79

Just bear in mind your credit score won't be seen by lenders, they can only see the history.

Senfty88

when i called the court today they said the debt had been passed to the solicitors (HL legal they are called) and it was them that had taken the CCJ out against me. I've never used a solicitors for anything. The CCJ is 4 years old and the debt is probably even older so o really can't remember what it could be for, all I can think is that it's either and mobile contract or loan.