We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
How do I sort out CCJ's?
ConfuzedGirl
Posts: 16 Forumite
in Credit cards
I had run up about £3000 debt on 2 store cards (from GE Capital) ) around 4 years ago. Being young and naieve I burried my head in the sand a !!!!!!ed off to France to live for 3 months and came back to see a huge pile of post and a CCJ!
I went through everything with my dad who is pretty hot on these sorts of things and their rules and we discovered I had not actually been 18 at the time I took them out so therefore by law I shouldn't have to pay them back (and the fact that they can get in ALOT of trouble!).
We asked repeatedly for a copy of the contract I signed when the store cards were taken out and even when I was assured it would be sent- it never arrived. They mysteriously never had a record of us calling asking and it went on for months. They then offered to not approach me again (and probably blacklisted me) and they told me I did not have to pay them back what I owed (result) but they never mentioned what happens with this CCJ? I am now stuck with this CCJ and its ruining my life!
I have, in the last week applied to the 3 credit agencies for my history through using the template letter on here and am waiting for a reply from them, but I would really love to know what to do to sort this mess out- I dont want to use a so called 'credit improver' to have them change my credit profile as I want to do it myself. Please, please, please can someone tell me what I need to do. I cannot get ANY kind of credit through ANYONE and I dont think its very fair as I have no debts at all and earn a reasonable salary- I know people who earn nothing and never pay back but they still get offered credit! Argh!
Any responses would be greatfully recieved.
Fankoo!
0
Comments
-
Pleeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeease help
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.2K Work, Benefits & Business
- 600.8K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards