Unknown CCJ

Jodtay

SOMEONE PLEAAASSSEEE HELP ME! 

In 2007 I bought a house in Manchester with my ex, soon after the “credit crunch” hit and we literally lost half the value of the house. In 2011 we separated and I moved back to London (I have not been to the house since!). We couldn’t sell the house because of the massive negative equity, it has only just out of negative equity (we may have made £10!). Yesterday I checked my credit report for the first time in a long time and have found a CCJ from July 2020, apparently it’s because he didn’t pay the ground maintenance charge for that year! 

I am so annoyed! Is there anything I can do about this, he lives in the house, we don’t communicate (I only have an email address for him!). I understand I’m on the mortgage and signed the ground lease it’s 1/2 my responsibility but how on earth can I get a CCJ if I knew nothing about it?

How do I get out of this house and anything to do with it, I don’t want money, I don’t want anything.....I just want out...it’s been 10 years I have my own family and husband....how can someone I don’t even know anymore (my ex) have such a negative impact on my finances without me having any idea?

Hellpppppp 

fatbelly

I did see your other thread

https://forums.moneysavingexpert.com/discussion/6285215/ex-racking-up-ccj-s-on-my-behalf

and I agree with the other posters - you do need to chat to a solicitor about your general situation (check they do a free half hour) to see if you have any way of releasing the property. I suspect without the agreement of your ex this will be difficult but as it is moving into positive equity it would be in his interest to remove you from the land registry entry.

On the specific ccj, that is going to be difficult too. There are three criteria for set aside:

that you act promptly
that you have a reason why you did not defend the original claim
that you have a defence with a realistic prospect of success

It's the third part where the problem is as it looks like you were jointly liable for the debt