Hi all, new here!
I have just joined Experian to see what my credit score is like - its "fair" at the moment, but, its being ruined by a CCJ from some years ago, and I'd like some advice on it. Its a bit complicated so bear with me!
The CCJ is from Northampton County Court, and is for £17000+ but the only thing I have anywhere near that amount was a bank loan from HSBC many years ago for £10000. I am sure this is what it relates to, but, how can I find out?
If it IS related to that, then how can I dispute the amount as the loan was only for £10k (plus whatever interest)? Also, the loan was taken out jointly by my ex partner and myself, and there is no chance of us getting back together. To be honest, I had no idea there was a CCJ until I checked Experian, as she had a "head in the sand" mentality, and threw mail in the bin, so I never saw it.
If I can find out all this info, can somebody advise on where I go next? Can I get an IVA or something, to settle the debt? Im assuming its gone through a credit reference agency as the loan with HSBC is showing as completed in the positives section of Equifax?
I've really got no idea where to start or how to proceed with this...... its ruining my ability to obtain any sort of credit, but sort of winning the lottery, I dont know how to deal with it
Any help and advice appreciated.
Cheers all
