N443 form

BlueManc10

Hi. Not sure if this is the correct forum in which to post apologies if not.

I have recently been saving a deposit to buy a house and so have been trying to get my credit file in order as I've been a bit lax in the past in this area. I checked my file and I have a CCJ on my file from 2014 which is still showing as active. I would imagine this is having a great effect on my credit score.

The judgement is with Northampton ccbc whom I have contacted with regard to this. After not being able to get through for days, I finally did and they were not very helpful. They said I needed to pay £250 to request getting the judgement set aside. However after a bit of online research, I don't believe this is what I'm required to do.

I've found a form online called an n443 which I believe I can send to the court. Who will then write to the company with whom they have registered as the claimant and of they do not hear back within 30 days they will mark as satisfied. I cannot provide proof of payment as the company the debt was with have now dissolved.

My first question is whether the n443 option is the correct course of action in this scenario? Or if this is even still a thing as all I can find online relating to this is from pre 2013

And secondly. If so, do I just send the form to the courts address or do I need to write a covering letter and enclose any funds?

Thanks

MEM62

You credit 'score' is a randomly generated number so whatever changes result from your CCJ are irrelevant. The CCJ will however, impact negatively on the way that you are viewed by lenders and you may need to go to a mortgage broker with experience in applicants with CCJ's.

I cannot advise of having the CCJ marked as settled but I am sure that someone will be along with advise on this issue. As for providing proof of payment, your own bank statements should be a good start.

[Deleted User]

What was it for?

Why do you believe you are not liable for it?

BlueManc10

I do not believe I am not liable for it. However it was my understanding that once it was paid it should show as settled on my file as opposed to active.

It was for a T-Mobile phone bill and the amount was for £283

StokieBecks

If it is has been paid do you not have some kind of letter from who you owed the money to to say you paid in full? On there it should have advised you how to get a certificate of satisfaction from the court (I had to pay £15 and send the letter from the company to say it was paid in full) ideally all paperwork you receive to confirm payments/account closures etc should be kept for 6 years. CCJs arent always instantly marked as satisfied once paid off you do have to contact the court. You are correct about the form but you do need proof it is paid

mundo13

I possibly did get a letter to say it had been paid, however I no longer have this, and the company who the debt was with do not exist any longer (Sigma SV1).

Could it be worth contacting T-Mobile (now EE I believe) to see if they have any record of payment. I could potentially scroll through old bank statements, but I don't know if the payments would have the case number on the reference....