Removing fraudulant Ccj

Kaysara

I have a ccj that has been recently proven to be from someone opening an account fraudulantly in my name. The debt collection agency have sent me a letter saying they will 'remove the default' from my credit file. I've been googling but I'm a bit confused, do they mean they will remove the ccj or will I have to sort that out myself? And if so how? Do I have to contact the court, or the credit reference agency, or both? Thanks for any help

Willing2Learn

Hi,

Have you reported this to the police (ActionFraud)?
Have you got a crime reference number?

[Deleted User]

The DCA should contact the court really to ask them to stop,

Kaysara

No, do I need to do that to get the ccj removed? I don't know who it was and it happened years ago, I wasn't aware of it until last year when I put my name on the electoral roll and was contacted by debt collectors, i didn't know what it was so I called the original company with the account number asking for more information. A few months later they sent me a later saying they had discovered it to be fraud.

Willing2Learn

Kaysara wrote: »

A few months later they sent me a later saying they had discovered it to be fraud.

Have you kept all the letters and correspondence linked to fraud?

twhitehousescat

if you have been issued with a CCJ , it needs to be set aside and then not be re contested by anyone

2 ways possible , you pay £255 and give court lot of info , 50/50 you get fee back
second way UNcontested set aside , fee £100 , if they gave admitted fault , they should pay this

Kaysara

Yes I have kept all the letters

Kaysara

Who should pay it, the original company or the debt collectors?

twhitehousescat

the company that took you to court and started court claim resulting in you getting a ccj

Willing2Learn

I agree. Whoever took you to court originally, is ultimately responsible for getting this rectified.

Edit: @Kaysara - Well done on keeping those letters!

twhitehousescat

if the company that instigated the CCJ have bow accepted that it was incorrect , they need to get it sorted , they cannot with your assistance

merely "removing a default" will not assist you , that may make it so that bailiffs cannot come round to collect , but the CCJ will be on your record for 6 yrs


they should give you permission to do an uncontested set aside and indeed they should pay the fees to do this