I went to apply for a new credit card and noticed my credit score had gone right down and a CCJ was issued against me.
I’d never to my knowledge owed money or missed payments and did not have a letter informing me of this. I contacted Equifax who referred me to the courts, I paid for my file and there was no CCJ against me so I was happy it was some sort of mistake.
After searching to try and get it removed it seems it’s real and was issued to an old address. It seems to be linked to an old Halifax Student account from over ten years ago. I’m still with Halifax, have received no notice about this and the account doesn’t appear any more. I stayed within my allowed overdraft and as far as I know it was all paid up. It’s now handled by Cabot. I never would have ignored a request for payment.
This year I am getting married and getting a mortgage for my first house. I’ve worked so hard on my finances and credit score and am devastated to get this CCJ and can no longer get a credit card, let alone a mortgage. It appeared January so I have another 6 years to go.
Any advice would be great.