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CCJ
Davies1925
Posts: 6 Forumite
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
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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-letter0 -
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.0
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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.Davies1925 said: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
At this stage it could be anything. Is the date of the ccj recent?0 -
Yes it’s 12/09/22.0
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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.Davies1925 said: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.0 -
I doubt it's car-related for £2391
But we'll soon know, I hope.
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