Ccj thats not mine

Hi all, I am speaking on behalf of the mrs. She has got a ccj for a parking offence from 2017 that is not hers. Basically she has the same name of the offender other than middle names are different. Now I can not believe these credit companies don’t use date of birth and other simple facts to prove who it is. We have proof it wasn’t her car ect. 

Now, equifax are telling us/her to get in touch with the person with the same name and ask for her passport details and picture to prove it! For one, I can’t believe I’m hearing this from them and two it’s not for us to investigate. 

How can something so simple be so hard to remove?? 

Struggling to get a mortgage because of it. Absolute disgrace. Don’t know how to get rid of it. 

Any help much appreciated 

Comments

  • Escalate a complaint with each of the CRAs where it appears.

    ICO after that.
  • Ebe_Scrooge
    Ebe_Scrooge Posts: 7,320 Forumite
    Name Dropper First Anniversary Combo Breaker First Post
    OK, so first off, the CRAs cannot amend data - they simply report on data that's provided to them by lenders, courts, etc.
    You won't have got a CCJ without first having received numerous letters from the creditor.  Did you receive any such letters?
    I think your first step must be to get in contact with the court that issued the CCJ and find out what's happened.  Hopefully they will be able to shed some light on the issue, and advise you of the next steps.  If this yields no positive outcome, then I would think a phone cal to your local CAB may be a good next step.  They will not charge for their services, and are usually very helpful and have people who know what they're talking about who will be able to guide you.
  • Thanks guys but yes we tried the court that dealt with it which was Northampton county court. On hold for hours, nobody answers then it cuts you off and says email or check FAQ on website. Never get a response. 


  • This is a reply we have got. You click the links and it just says sorry working on website. It’s like you can’t speak to anybody. What is going on at all
  • sourcrates
    sourcrates Posts: 28,825 Ambassador
    First Anniversary Name Dropper First Post Photogenic
    Post this on the parking forum, they will be able to help you.
    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
  • Grizebeck
    Grizebeck Posts: 2,754 Forumite
    First Anniversary First Post Name Dropper Photogenic
    Indeed parking ticket section is the way to go

    Advocate in the County Court dealing with a variety of cases, attending the courts in the North East and North Yorkshire
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