We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

CCJ

I checked my credit score yesterday only to see a CCJ added. It was on an address I left 16years ago. I have received no correspondence although my present address is on the electoral role + I have lived in my present address for 14 years. I have emailed the court for information as O have no idea what it’s for but it is causing a lot of distress + I can’t sleep. My credit report states that there are no missed payments at any previous addresses. Please help

Comments

  • sourcrates
    sourcrates Posts: 30,031 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    edited 12 October 2022 at 5:50PM
    Most likely car related then, parking ticket, speeding fine, something like that, the court should be able to tell you who the claimant is.

    Although a CCJ is annoying, and requires attention, it should not cause sleepless nights, it`s just a money judgement, not the end of the world, it can be sorted quite easily.
    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-letter
  • Thank you but it’s for £2391. I’ve always changed my address on my driving license as soon as I’ve changed address + I was not given the opportunity to pay it as I received no correspondence.
  • fatbelly
    fatbelly Posts: 21,566 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    I checked my credit score yesterday only to see a CCJ added. It was on an address I left 16years ago. I have received no correspondence although my present address is on the electoral role + I have lived in my present address for 14 years. I have emailed the court for information as O have no idea what it’s for but it is causing a lot of distress + I can’t sleep. My credit report states that there are no missed payments at any previous addresses. Please help
    You've done the right thing to ask the court for the particulars of claim. Post again with the info you receive, if you need to.

    At this stage it could be anything. Is the date of the ccj recent?
  • Yes it’s 12/09/22. 
  • lopsyfa
    lopsyfa Posts: 474 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    edited 13 October 2022 at 6:46AM
    Thank you but it’s for £2391. I’ve always changed my address on my driving license as soon as I’ve changed address + I was not given the opportunity to pay it as I received no correspondence.
    You also need to change the address on the V5 to avoid car related tickets and fines going to your old address. Do you have any car registered at the old address that you still have or have recently sold? If yes, this is likely the cause of the CCJ.
  • fatbelly
    fatbelly Posts: 21,566 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    I doubt it's car-related for £2391

    But we'll soon know, I hope.


Meet your Ambassadors

Categories

  • All Categories
  • 346.6K Banking & Borrowing
  • 251.3K Reduce Debt & Boost Income
  • 451.4K Spending & Discounts
  • 238.7K Work, Benefits & Business
  • 614.1K Mortgages, Homes & Bills
  • 174.7K Life & Family
  • 252K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 15.1K Coronavirus Support Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.