Public Record Information (CCJ) and Credit Accounts (Defaulted Accounts)

gosavesomething

Just signed up to the credit club (beta) and I had two questions that came up from it:

Under the Public Record Information tab it says that there is 1 Public Record Entry.

Information type: Judgement
Court name: NORTHAMPTON COUNTY COURT
Discharged date: -
Case number: (not shown)
Source: Registry Trust Ltd
Entry code: J1

There is also a previous address listed with the entry.

How can I find out more about the CCJ? I never received any paperwork about it and I don't know what debt it refers to. Do I use the Case number to contact Northampton County Court to ask them for more information?

The second query I have on my credit file is under Credit Accounts (Defaulted Accounts)

I can see here who the creditor is but I don't understand the term Account settled: 30/06/2015 or the Entry code: C2.

The account is an overdraft.

I don't really see any date indication when these two entries will "drop off" my credit history or what the terms highlighted mean or how to go about finding more information about the CCJ.

Any help appreciated.

sourcrates

Hi,

You should ring the court about the CCJ, they should be able to give you the full SP.

The overdraught account, usually gets marked as settled when it gets sold on to a specialist debt purchaser, or you pay it off.

The default dates should be clearly shown on your credit file.

gosavesomething

Thanks Sourcrates, you seem to be helping me out on every forum!

Understood about the court, I'll give them a call. What do you mean by SP? I'm not familiar with the acronym.

I haven't paid the overdraft off so I guess it has been paid to a specialist debt purchaser - should I contact the bank directly to arrange a repayment plan?

Where are the default dates shown - I can't see them anywhere. Is there one for the CCJ or just the overdraft?