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CCJ on credit file

Charliebar84 · 2018-04-26 12:21:34

Hi all I hope someone can help. Over the past couple of years I’ve worked really hard to get my credit score up and have finally succeeded. I’ve checked today and it says I have a CCJ against me and taken my score back down to poor. I have never received any communication regarding a CCJ (I think it was sent to an old…

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sourcrates Posts: 31,496 Ambassador

27 April 2018 at 12:31PM

Charliebar84 wrote: »

Thank you for the advice Laura.

I!!!8217;ve sent a prove it email to lowell as I don!!!8217;t want to give them my new address and as I!!!8217;ve not got any paperwork I!!!8217;ve put my name instead of a reference number.

Hopefully that may help things

Once judgement has been obtained, a provit letter becomes redundant, as they no longer have any obligation to provide evidence of the debt.

They may have various accounts in the name of Charley bear, how will they know where to reply to ?

Contact the court as fatbelly suggests above.

I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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