Disputes

blondeyk89 · 10 July 2013 at 7:00PM

Have checked my report and I have a ccj which has been paid off in full but it doesn't mention that its been satisfied, should this be the case? Or should I speak to someone about this and if so who.

Also my overdraft I am over half way paid but shows the full amount outstanding, should this not show that I have been making payments FYI this has been paid through a doorstep collector - just in case it's relevant info.

Thanks for reading or answering

Thrugelmir · 11 July 2013 at 7:48AM

You need to provide evidence to the Court that the CCJ has been satisfied. See link below.

http://www.trustonline.org.uk/understand-judgments-fines/certificate-of-satisfaction-satisfied-vs-unsatisfied-ccjs

Tixy · 11 July 2013 at 9:46AM

Regarding the balance on the overdraft. On your credit file is the account still in the name of the original lender? or the name of a debt collection agency?

The current balance on this record should be updated 'regularly'. Regularly isn't specifically defined in the ICO guidance, but I would think if its more than 2 months of out date that this would not be considered acceptable. If thats the case in the first instance I would write to the creditor.

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