Credit Card Debt

Hello everyone,

I have a CCJ on my credit file for a credit card debt which was issued at my previous address dated November 2014 but only just noticed this in October 2018 by a routine check on my credit file. I moved houses in August 2014.

I contacted the claimant accordingly and advised them if they would set aside by consent order rather than court hearing as it was entered incorrectly. The claimant refused to sign and responded saying they have entered it correctly.

I have forwarded them my council tax bill for August 2014 to prove but still not accepting. I’m really confused what to do in this situation. If I make application to court what if the judge dismisses my application which will incur a cost of £255 plus they will cover their cost.

Also they hold a charging order on my old address which I don’t know nothing about and still own the property.

Can someone please advise me on this if I should proceed court action.

Thanks

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