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CCJ 4 years old
DJCOOPER1967
Posts: 2 Newbie
I have a CCJ that's 4 years old on my credit file. I never denied owing the money ..in fact I was paying it off through a debt management plan. But the I split up from my partner and moved away.....he never sent me any outstanding mail. I went one day to get a loan and checked my file ...refused CCJ on it.
I never recieved the court papers as i was living at my mums...and i never thought it would get taken to court as i was paying it off on the DMP. If i had known i could of borrowed the money off my mum ...no problem...but I didnt until it was to late.
It's all paid off but I'm stuck for another 2 years and cant do anything until its removed....
Is there anyway I can get this removed from my credit file as I did not know about it until it was too late
I never recieved the court papers as i was living at my mums...and i never thought it would get taken to court as i was paying it off on the DMP. If i had known i could of borrowed the money off my mum ...no problem...but I didnt until it was to late.
It's all paid off but I'm stuck for another 2 years and cant do anything until its removed....
Is there anyway I can get this removed from my credit file as I did not know about it until it was too late
0
Comments
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No. But it will be gone in two years.0
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You could have tried a set aside by consent before you settled the debt, that was the time to try that option, not now its paid off, no one has any incentive to do anything, and couldn`t now anyway.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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