Hi

I am wondering if anybody could offer some help, have been searching the forums all day to get advice on next steps after finding out I have received 2 CCJ's and I am hoping to get these set aside. I have printed some documents from the site but wanted to share my story to see if anybody had any ideas on how to proceed.

We have been waiting almost a year for our house sale to go through, we are first time buyers and it has been a year of collapsed chains. We had good news that things were progressing again and so sought to renew our mortgage for the third time, on the previous two occaisions we were accepted no problem. However I have just found out that our mortgage has been declined due to an issue with my credit rating. When downloading my credit report I was horrified to see that I had two CCJs listed against my name at my old address where I have not resided for 3 years.

When ringing Northampton court it transpires there are two seperate CCJs, one has nothing recorded, the other has a pcn number from my local gym car park. As a gym member you usually get two hours free parking when signing in on a screen at the gym. Sometimes there are errors with this and if a pcn comes through (as it has for our other car, you take to the gym and they have it written off). I have checked and the day the pcn relates to the gym have evidence of my OH who was using the car and is on the insurance, logging in and out of the gym within the 2 hours. We don't have the details for the second date to check but will probably be the same scenario.

We have received no information only this alert showing on our credit file and it transpires all documentation has gone to my old address. It was an error on my part, not amending the V5 but it didn't even register, I pay the tax monthly on direct debit. At the time of moving my mum was terminally ill and we relocated to care for her, all other bills were changed to new address and we set up two seperate Royal Mail redirections to catch any missed post and I am registered on the electoral role etc.

The main priority is getting our mortgage that I have waited so long for, I was planning to satisfy the CCJs if this meant the mortgage went through but the mortgage broker has suggested trying to get the CCj's set aside, as a starting point and I just wondered if anybody can offer any helpful advice. I will start drafting a witness statement asap, with the defence that I have never received any copies of the paperwork, there is evidence we were at the gym and whilst we did not amend the V5, I have done so today, as soon as it came to my attention and at the time of the move I was experiencing the hardest time in my life with mum dying.

My first question is how do I find out further details about the second CCJ to set this one aside too? Or do I put both arguments in one appeal?

Do we email the parking company directly to negotiate a pay off and CCj being removed?

Any helpful advice anyone can offer would be greatly appreciated especially as we are in such a time precious situation about 6 weeks away from when we're due to exchange contracts on our house.

Thanks