Hi there, I am looking for advice,
I have a " decree" on my credit file, from 2012 for £481, from a company called Hacking and Paterson relating to maintenance charges for a communal block of flats, the reason for the arrears at the time, was a serious gambling addiction,
The reason it went to court is that no doubt the company would have been sending me arrears letters then a letter to appear at court, but as you can imagine someone with the illness of a gambling addiction never opens their letters, this meant that the case went to the small claims court, I wasn’t there to defend myself or offer and arrangement, therefore the case went against me,
I have been reading that it is possible to have the decree "recalled" if there is a good reason for me not defending myself at the time.
**GOOD NEWS**
The bill in question has long been paid off, and the company still manage my flats maintenance, after a discussion the company have sent me two separate letters confirming
1. the bill has been paid in full
2. That they have no objections to the decree being recalled (i.e. they would not contest it)
I could do all of this on my own, but would like your thoughts