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A CCJ on my file BUT it's already been paid
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NH211
Posts: 2 Newbie
Hi,
I have a CCJ on my credit file dating 26 Feb 2018 from an old phone contract, however I paid the amount owed to the phone company in full on 19 Feb 2018.
I still continued to receive letters for money from Lowell as they were chasing for the remaining £170 interest that they wanted which I then paid in April 2018.
Is there anyway I can do about the CCJ seeing as I paid the full debt to the source before it even got sent to court?
I am a first time buyer looking at getting a mortgage and the CCJ isn't helping!
Thanks in advance.
I have a CCJ on my credit file dating 26 Feb 2018 from an old phone contract, however I paid the amount owed to the phone company in full on 19 Feb 2018.
I still continued to receive letters for money from Lowell as they were chasing for the remaining £170 interest that they wanted which I then paid in April 2018.
Is there anyway I can do about the CCJ seeing as I paid the full debt to the source before it even got sent to court?
I am a first time buyer looking at getting a mortgage and the CCJ isn't helping!
Thanks in advance.
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Comments
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You need to either advise the court that you have settled the CCJ in full within 30 days (even though it was settled before), or apply for a set aside on the grounds that the debt was already settled.
The first way is cheaper, although the second is technically more correct.0 -
If the debt was handed to Lowell to collect then it should have been paid to them0
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I was told at the time by EE that once I had paid originally that was all sorted nothing more to do. It was then that Lowell sent me a letter a few weeks later pressing for money still and this was the remaining interest which they had added on (minus the large chunk of money I had already paid EE)0
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If it went to debt collectors then you have to pay their bills as well, not just the original debt
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Who did you pay it to? The mobile phone company or the debt collection agency?"Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."0
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