4 year old CCJ removed!!!!!

[TheAnalyst]

Hi all,

Thought I'd post with my latest update to my battle to clear up my credit file.

 

I had a CCJ by default for £400 added in 06/2004, I had moved from the address it was sent to and only noticed it on my credit file about 2 years ago.

What confused me was that it was a MCOL claim and this is only supposed to be used in England and Wales, by my living in Scotland I was interested to see if this was infact legal?

 

I got good advice last year (June/July ish) from some people on this forum in the legal industry and was advised that this CCJ would in fact stand and not much chance of getting it removed on those grounds however if I could prove that I never lived at that address at the time then could apply for set-aside as never received the paperwork.

 

I could not find anything to prove I never lived there at the time so after paying the CCJ directly to the company I sent a quick email to MCOL stating that as I lived in Scotland I was not convinced that this CCJ is legal and if they could clarify for me.....

 

I got tied up with removing defaults for a few months after that and never heard anything back from MCOL so pretty much forgot about it until a today as when I checked my credit file again the CCJ was still not marked as satisfied. I called Northampton County Court (CCJ Bulk Centre) to query if they had received notification that the debt had been paid and if not how do I go about getting it marked as satisfied.... I was put on hold for about 5 mins and the woman came back to me and said that I actually don't need to have it marked as settled because it was STRUCK OUT BY A DISTRICT JUDGE IN AUG 2007!!!!!!! (about 3 weeks after I sent MCOL that very short email)

 

I advised the woman that this is still showing on my credit file and she said she was going to contact the Registry Trust herself straight away and it would be removed in the next 4 weeks!!!!!! :o:D

 

I don't quite understand but it's a total RESULT!!!!!!!!!

 

:D:D:D

[enamae]

Congratulations great news.(don't forget to check in 4 weeks) :grin:

[steven4064]

That is great news - Congratulations

[losingwilltolive]

thats great news--- i am reading with interest regarding bank charges, unfair fees, removal of defaults etc---

could some one re-direct me to the correct section of website for standard request of information letters & procedures for debt, judgements, defaults etc

 

I have 2 defaults on my file and i have no idea who they are from. and 1 very large CCJ ( buisness debt- rent)-- but i only found this out by fluke and i certainly had no paperwork or responded to any summons.. all my problems have resulted from the failing of my business in NOV 2007..

 

could someone also advise if this reclaiming of bank charges also applies to business accounts---if thats the case & i can win --then that alone could hopefully quickly pay off my mortgage arrears and prevent repossession

thanks again

[steven4064]

Hi losingwilltolive

 

The section of the site you need fir debt is Debt Action Group

Bank charges on business accounts are a bit of a problem at the momement because the test case said that charges are not contract penalties (hoefully this will be appealed) and, since the UTCCR 1999 don't apply to business a ccounts either, that leaves us with no basis for a claim. However, the 'brains' ae working on it, so watch this space.

[TheAnalyst]

I'ts GONE!!!! WOOHOO :D:D

 

That's no more defaults or CCJ's on my Experian file and only 1 Littlewoods default on my Equifax file

Edited May 22, 2008 by TheAnalyst

[steven4064]

Great stuff