Unknown CCJ - Northampton County Court

Slb1234

morning all
I desperately need advice.
I have been very ill and mostly bedbound since before the pandemic. I have been trying to move to safer accommodation because I'm to unwell to cope with stairs and sadly my 12yo cares for me alot me than I'd like tbh. I kept getting turned down for properties by agents and couldn't understand why until I did a clearscore check and found a CCJ on my name from Northampton. It was added in February apparently. I live in Wales. I've never even been to Northampton. Or to court. Or heard anything about this business. I have been trying to get in contact for weeks via phone and email to this court but I got cut off several times and had no reply to my email. Its not even a lot of money (£197) 
I've been looking at the reviews and many people are suggesting to come her for help. 
Please. I'm not sure what to do.
Could someone give me advice.
Thanks for taking the time to read all of time, any guidance is greatly appreciated 🙏 

[Deleted User]

You don't need to have ever been to Northampton.  That's just where the CCJs are issued from.

Are there any defaulted debts on your credit files (check all of them)? If not, you'll need to keep trying the court.

sourcrates

Hi,

Courts, like everywhere else, are running a backlog at present, and are short staffed as well, email is usually your best bet.

Northampton is just the bulk clearing centre for court claims in the UK,  usually these things turn out to be parking tickets, or something of that nature, usual reason why you did not recieve the court papers is that you may have moved recently, and papers went to an old address the creditor had on file.

Try and think of anything this could be, try trust online, it may tell you more there, but best bet is keep trying with the court.

FirstTimeBuyer28

Hello,

I recently found a CCJ on my credit score (that I was unaware of!) and this is what I did 

1. signed up for an Equifax account. The first month is free and after that it’s around £17 so just cancel once you have used it
2. looked at my credit report and go on ‘court information’.
3. On there I saw  information including the court name ‘business centre’ and a reference number.
4. Googled the number for the court and had the reference number ready and the amount that was on my CCJ. It was the court that explained that mine was an over payment from a job and the address they had was a uni address (that I only lived in for 8 months so didn’t get any letters). They also gave me the number of the solicitors  who know owned the debt and a reference number.
5. From that, I rang the solicitors and paid it in full. It’s still pending in my account at the moment. 

It  took two attempts to get through to the court( rang one after the other)  and first time for solicitors.

I hope this helps you 

waamo

FirstTimeBuyer28 said:

Hello,

I recently found a CCJ on my credit score (that I was unaware of!) and this is what I did 

1. signed up for an Equifax account. The first month is free and after that it’s around £17 so just cancel once you have used it
2. looked at my credit report and go on ‘court information’.
3. On there I saw  information including the court name ‘business centre’ and a reference number.
4. Googled the number for the court and had the reference number ready and the amount that was on my CCJ. It was the court that explained that mine was an over payment from a job and the address they had was a uni address (that I only lived in for 8 months so didn’t get any letters). They also gave me the number of the solicitors  who know owned the debt and a reference number.
5. From that, I rang the solicitors and paid it in full. It’s still pending in my account at the moment. 

It  took two attempts to get through to the court( rang one after the other)  and first time for solicitors.

I hope this helps you 

Paying it like that only gets rid of the ccj if you do it within one month of the judgement. Any later than that and it gets marked as "satisfied" but remains on your record for 6 years. Paying isn't always the wisest course of action if you need a ccj removed.

D3xt3r5L4b

FirstTimeBuyer28 said:

Hello,

I recently found a CCJ on my credit score (that I was unaware of!) and this is what I did 

1. signed up for an Equifax account. The first month is free and after that it’s around £17 so just cancel once you have used it
2. looked at my credit report and go on ‘court information’.
3. On there I saw  information including the court name ‘business centre’ and a reference number.
4. Googled the number for the court and had the reference number ready and the amount that was on my CCJ. It was the court that explained that mine was an over payment from a job and the address they had was a uni address (that I only lived in for 8 months so didn’t get any letters). They also gave me the number of the solicitors  who know owned the debt and a reference number.
5. From that, I rang the solicitors and paid it in full. It’s still pending in my account at the moment. 

It  took two attempts to get through to the court( rang one after the other)  and first time for solicitors.

I hope this helps you 

That’s how to pay for one yes.
Was that your full intentions?

cymruchris

Another option would have been to apply for a set-aside based on the fact you'd not received any of the paperwork in order to pay in a timely manner originally. On doing so that would have reset the position to just before getting the CCJ - in that you would still owe the money, but the creditor would then have to apply for another CCJ if you then didn't come to an agreement. As it stands, your CCJ will be marked as satisfied - and will remain on your credit file for 6 years from the date it was granted. Satisfied CCJ's are better than unsatisfied CCJ's - but no CCJ's is even better. As time passes, if it's the only blemish on your record, the effect will reduce, but may still hinder you in terms of a mortgage application. 

Shelleysam

Slb1234 said:

morning all
I desperately need advice.
I have been very ill and mostly bedbound since before the pandemic. I have been trying to move to safer accommodation because I'm to unwell to cope with stairs and sadly my 12yo cares for me alot me than I'd like tbh. I kept getting turned down for properties by agents and couldn't understand why until I did a clearscore check and found a CCJ on my name from Northampton. It was added in February apparently. I live in Wales. I've never even been to Northampton. Or to court. Or heard anything about this business. I have been trying to get in contact for weeks via phone and email to this court but I got cut off several times and had no reply to my email. Its not even a lot of money (£197) 
I've been looking at the reviews and many people are suggesting to come her for help. 
Please. I'm not sure what to do.
Could someone give me advice.
Thanks for taking the time to read all of time, any guidance is greatly appreciated 🙏 

I have exactly the same problem and have attempted many times over last 4 yrs to try and get the information of who the ccj was from because I have no idea why I have a ccj and they told me they no longer deal with it at that office and then called the number they gave me only to get the same response I must have called at least 5 different numbers and I’m still no wiser???? It’s really affecting my future and ability to move on as I will be selling my house to downsize and unless I pay 100% cash it’s going to be difficult for me to get a small mortgage if needed, I’m begging for help… i hope you managed to resolve your problem x

sourcrates

Shelleysam said:

Slb1234 said:

morning all
I desperately need advice.
I have been very ill and mostly bedbound since before the pandemic. I have been trying to move to safer accommodation because I'm to unwell to cope with stairs and sadly my 12yo cares for me alot me than I'd like tbh. I kept getting turned down for properties by agents and couldn't understand why until I did a clearscore check and found a CCJ on my name from Northampton. It was added in February apparently. I live in Wales. I've never even been to Northampton. Or to court. Or heard anything about this business. I have been trying to get in contact for weeks via phone and email to this court but I got cut off several times and had no reply to my email. Its not even a lot of money (£197) 
I've been looking at the reviews and many people are suggesting to come her for help. 
Please. I'm not sure what to do.
Could someone give me advice.
Thanks for taking the time to read all of time, any guidance is greatly appreciated 🙏 

I have exactly the same problem and have attempted many times over last 4 yrs to try and get the information of who the ccj was from because I have no idea why I have a ccj and they told me they no longer deal with it at that office and then called the number they gave me only to get the same response I must have called at least 5 different numbers and I’m still no wiser???? It’s really affecting my future and ability to move on as I will be selling my house to downsize and unless I pay 100% cash it’s going to be difficult for me to get a small mortgage if needed, I’m begging for help… i hope you managed to resolve your problem x

This is a 4 year old thread, and the OP has not logged in since their first post, so if you need specific help about a CCJ, please start a new thread on the debt free wannabe board.