Set Aside a Satisfied CCJ
My partner and I am looking to buy a house this year and have recently discovered a CCJ on my record that I was unaware of.
The CCJ was issued because of university fees. I had student finance for my fees but dropped out of university in my 2nd year, early 2018. This was due to my family situation and poor mental health which I won't go into. I received little to no information regarding the process of dropping out, and did not realise that the fees would not continue to be paid by student finance, but instead I would need to pay upfront. I moved out of my student house a few months after dropping out (June/July) and I did not update my address with the university as I wasn't attending any more.
The CCJ was issued in November 2018, but letters were sent to my previous address, I was only made aware that I even owed any money when the bill came through a debt collectors agency in Feb 2019 who were able to reach me at my new address. I didn't know a CCJ had been issued, only that I owed some money, I was very confused but I spoke to the university to confirm and paid the whole fee upfront (including additional late fees from the debt collector agency) which came to about £1,700.
As I mentioned, I have only recently found out that a CCJ was issued for those fees after being unable to obtain credit last month, I spoke to the court and they marked the CCJ as satisfied on my credit report as I paid 2 years ago. Despite being satisfied, the CCJ is still making it really difficult for me to get credit.
I am going to attempt to have the CCJ set aside and I am looking for advice and to see if you think I have a good case? I am not disputing that I owed the money, the fees have all been paid and I am not wanting to claim it back or anything like that. I was just unaware I owed the money and the letters were sent to the wrong address meaning I had no opportunity to pay within the 1 month after the CCJ was issued.
This is very stressful and I am pretty shocked about the whole thing, any advice will be really appreciated.