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Another ccj help required
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carol1869
Posts: 1 Newbie
Hi just joined need a little help with ccj Ive separated from my ex wife 5 years ago and out of my own spite and the depression and being sectioned under mental health act i ignored almost all the debt letters as it made me ill looking at anything to do with her and one of debt letter from lowell never stated who it was for and as i had no details of what the debt was as we separated via non molestation order which is another long story so i carried on ignoring it but paid in full all the others.
Any way sometime this April just gone they applied for ccj against me which they got for £299. i generally didn't get the court papers last contact i had was in march and again this week for not paying the court ccj so i checked my credit rating and i have ccj which put on my credit record in April. So today i phoned lowell and found out it was for her car insurance and i paid the debt in full . So what i guess im asking is there anyway i can get the ccj removed as im desperate to move within the year and will need good credit rating for the letting agents. Only reason i can think off for not receiving the letters is that i live at 87a and the shop below me is 87 but as i live in a converted flat the entrance and front door is facing another road so im wondering if the letters went to the shop downstairs any help would be great
regard
Dan
Any way sometime this April just gone they applied for ccj against me which they got for £299. i generally didn't get the court papers last contact i had was in march and again this week for not paying the court ccj so i checked my credit rating and i have ccj which put on my credit record in April. So today i phoned lowell and found out it was for her car insurance and i paid the debt in full . So what i guess im asking is there anyway i can get the ccj removed as im desperate to move within the year and will need good credit rating for the letting agents. Only reason i can think off for not receiving the letters is that i live at 87a and the shop below me is 87 but as i live in a converted flat the entrance and front door is facing another road so im wondering if the letters went to the shop downstairs any help would be great
regard
Dan
0
Comments
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You paid it so it will be marked on your file as 'satisfied' (or should be - check your record updates in a few weeks).
There's nothing more you can do. You could have applied to have it set aside otherwise, but it's too late now sorry.0 -
Were the letters addressed to 87 or 87a. If correctly addressed, nothing could have been done. These CCJ letters are sent by the county court using normal post. A lazy postman who cannot tell the difference isn't much of a defence.
The CCJ is satisfied and will be marked as such. Many letting agents will be fine as it has been satisfied, its more outstanding ones that aren't been paid they have a problem with. CCJ's are getting fairly common nowThe figures come from the Registry Trust, which puts them together for the Department of Justice. According to them, there were 298,901 debt judgements registered against consumers in England and Wales in the first three months of this year. This is the highest number for a single quarter in ten years.
http://www.yorkshirepost.co.uk/business/markets/record-number-of-ccjs-in-the-first-quarter-of-this-year-1-85580550 -
Echo what the others say, now its paid, it will stay on your file for 6 years, however a satisfied CCJ looks better than an outstanding one.
Lots of people rent with CCJ`s, Landlords have the option of two types of credit check, the least invasive is a landlord check, but they can upgrade to a full check at further cost.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
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