CCJ on file

Munch

Hello,

I've had a credit card debt on my file for over 6 years, I asked about this before on here and was advised to leave it as it would clear (it was just coming up to 6 years then) so I took the advice on board and made a decision to leave it.

I've now noticed the line on Noddle with the debt is gone, but now there is a 'County Court Judgement' ref B5CY8M2F. I've Googled it and still don't understand what it means.

I have two cards at present, one is a credit builder which I have maxed the allowed credit limit and a manage them both very well (they are both at £2000). I went to apply for a new low rate card as my Experian score is 966 and I was rejected but I meet all the criteria and have nothing else bad on my report.

Please tell me what a CCJ actually means simply? Thank you

PixelPound

Why would it clear? Surely you still owe the money until and if ever the debt owner tell you they've written it off. CCJ is a county court judgement, so without knowing any facts I can only presume that they have gone to litigation to try and get the money from you. The CCJ will remain on your file for 6 years.

Ben8282

If your credit files were showing an account defaulted almost 6 years ago then the advice that if you did nothing it would disappear from your credit files after 6 years from the date of default was correct and from your post above it appears that it has in fact disappeared..
CCJ is County Court Judgement. Somebody has taken you to court over a debt; presumably this one but possibly something else entirely. What is the date of the CCJ? Does the amount correspond to this credit card debt?
It is unlikely that this happened out of the blue. You must have received some court documents of some kind. If debt collectors were chasing you for this debt and threatening legal action, nobody would have advised you to do nothing. Such advice would only have been given where nobody had contacted you about the debt for many years and it was about to become statute barred.

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If this is in relation to https://forums.moneysavingexpert.com/discussion/5467035 which I have just read after writing what I have written above, it appears that you were in fact making payments to Arrow Global and, as such, the debt was not about to become statute barred. You admit that you were making payments therefore you must have been contacted by Arrow Global as how otherwise could you have been making payments to them? Why did you stop the payments?

Munch

Ben8282 wrote: »

If this is in relation to https://forums.moneysavingexpert.com/discussion/5467035 which I have just read after writing what I have written above, it appears that you were in fact making payments to Arrow Global and, as such, the debt was not about to become statute barred. You admit that you were making payments therefore you must have been contacted by Arrow Global as how otherwise could you have been making payments to them? Why did you stop the payments?

Hi, thanks for reading both.

The Debt was originally MBNA, and I did actually think I'd paid it off in full, only to find out a few years later from a phone call from Arrow or another company for the original amount which they had bought off MBNA, which I denied continually as I thought this was a scam as I sincerely believed I had paid them off in full via a debt management company.

On Noddle it says that the CCJ is registered to an address I moved away from around 18 months ago. I genuinely had no contact with Arrow or whatever the company was who bought it originally for around 3-4 years after the phone call I thought to be a scam. I've never paid Arrow, or received written anything from them. I've only seen it on my Noddle account, kinda ignored it, then sought advice on here.

freewheelinfranklin

A CCJ can also be issued in your absence. Usually happens when you don't inform the lender of a change of address.

... happened to me :-/

Munch

freewheelinfranklin wrote: »

A CCJ can also be issued in your absence. Usually happens when you don't inform the lender of a change of address.

... happened to me :-/

I had no reason to as I thought the matter was settled then someone must have got hold of my personal info and tried to scam me.

I know now that was wrong but they sounded so dodgy on the phone.

I can't believe they can do it in your absence though... I could do that to anyone!

fatbelly

Munch wrote: »

Hello,

I've now noticed the line on Noddle with the debt is gone, but now there is a 'County Court Judgement' ref B5CY8M2F. I've Googled it and still don't understand what it means.

Please tell me what a CCJ actually means simply? Thank you

You should phone or email the court that issued it. quote the reference and ask them to send you the particulars of claim.

Then you can decide if you think you have a case for set aside

https://www.nationaldebtline.org/EW/factsheets/Pages/howtosetasideacountycourtjudgment/settingasideaccj.aspx

Munch

Do you know if that be seen as me accepting the debt?

fatbelly wrote: »

You should phone or email the court that issued it. quote the reference and ask them to send you the particulars of claim.

Then you can decide if you think you have a case for set aside

https://www.nationaldebtline.org/EW/factsheets/Pages/howtosetasideacountycourtjudgment/settingasideaccj.aspx

sourcrates

Munch wrote: »

Do you know if that be seen as me accepting the debt?

Makes no difference now as you have a CCJ by default.

Fat bellys advice is good, I'd suggest you follow it.

fatbelly

Munch wrote: »

Do you know if that be seen as me accepting the debt?

If you're thinking that the debt may have been statute barred because it was over 6 years since you last acknowledged it, you should know that one relevant date is when the court claim was started. The court will tell you that date.

You will have to work out from your records when you last acknowledged the debt. If the two dates are more than six years apart that is a solid defence and worth going for set aside.

Munch

fatbelly wrote: »

If you're thinking that the debt may have been statute barred because it was over 6 years since you last acknowledged it, you should know that one relevant date is when the court claim was started. The court will tell you that date.

You will have to work out from your records when you last acknowledged the debt. If the two dates are more than six years apart that is a solid defence and worth going for set aside.

I'm pretty sure that that the entire time it was not with MBNA (sold to Arrow) I have never once acknowledged the debt. I've also found all my debt management letters showing payment all the way up until my final payment to MBNA which is missing as I was so sure I paid it over the phone when they rang me after I'd moved down to Bristol. As it was over the phone and I don't have that bank anymore, I can't prove the final payment which is very distressing.