Can I get this CCJ removed from my file?

Takmon

uplock135 wrote: »

I haven't done a runner with their money. I paid it back, albeit slightly less than the original amount owed because that's what I had, so I offered it, they agreed, and I paid it.

Well you did do a runner with the money because you had a 4 year period from 2014 to 2018 to contact them to setup a payment plan at an amount you could afford. But instead you chose to ignore them until they forced your hand with a CCJ and then even though you borrowed the money for 4 years with 4 years of interest due you paid back even less than the original amount.

I think you need a reality check if you think you should have the CCJ removed from your credit files :rotfl:

MasterG83

Its your responsibility to inform creditors when moving home, not them to chase you and then plead you didn't know anything about it.

Drives me mad this.

Davy_Jones_II

It’s so unfair, really, people accurately reporting facts about you, in full, and truthfully.

Shouldn’t really be annoyed, only nice things should be kept on file.

Maybe you could ask them to replace the CCJ entry with a note about your good dress sense, or punctuality.

WhenIam64

They agreed to take it as full and final.

If you have written evidence of this rather than the bloke on the phone, then what Sourcrates says in #2 is the way forward.

Two stage test. The first is did you receive it or were likely to receive it. Answer is no. Second one, is whether it is defensible, so the written evidence is what you need.

Then if it is granted, then ask judge to order the £255 to be refunded due to Claimant's abuse of the system (if there has been such). You need the N244 form which is a general form asking for 5 minutes in front of a judge to plead your case.

Ignore some of the comments above about your dress sense and ability to run. It comes down to whether there was a variation to the agreement i.e. a F&F. The address issue is covered by the Civil Procedures Rules on service of documents.