CCJ was put on by HSBC now debt owned by Lowell

[jmurphy1919]

Hello everyone

Ive had a debt written off by lowell as a "gesture of good will"

This is a quite an old debt with a ccj against it.

The ccj will be 6 years next year so its still showing on my credit file

My question is now the debt has been cleared (and completly removed from my credit file may i add. Not even in the closed accounts section!) can i get the ccj removed also?

[citizenB]

the CCJ references will drop off both your file and trustonline (they record all CCJs) after 6 years.

[renegadeimp]

Have you asked lowell to remove the CCJ as well?

[jmurphy1919]

I havnt asked lowell to remove. Do they have the authority to ?

[renegadeimp]

If their name is on it, then yes they do.

[jmurphy1919]

There no name it just the court where it was issued in this case northampton

[renegadeimp]

Does lowell own the debt? If so, then theres a very high chance that the inherited the CCJ too. Ask them and see what they say,. They wiped the debt so they should wipe the CCJ, unless they are thinking of trying to get enforcement orders on the CCJ.

[jmurphy1919]

Thank you i will get in touch with them tomorrow. Fingers crossed!

[jmurphy1919]

just an update.. called lowel who advised that the CCJ was put on by HSBC and they cannot remove.

spoke with HSBC and they say they cannot remove because its valid.

stuck! any advice?

[dx100uk]

think yourself lucky lowells wrote it off

 

well done.

 

dx

[BRIGADIER2JCS]

You can appeal to HSBC in this case and send them a copy of Lowells letter confirming that they have ''written the debt off'' and closed the file, such an appeal should addressed to the Data Controller at HSBC.

 

Obviously Lowell never bothered to apply for a change to their name.