Confusing situation regarding CCJ

[BaronJamie]

Good afternoon guys,

 

I have a strange situation I am in and wanted to get as much advice as possible as to what I can do or what my options are.

 

I was in a long term relationship with a girl,

throughout it we were both in and out of work, to be fair me more so than her. She moved in with me and lived with me for the best part of two years. Basically I ended up borrowing some money from her to the tune of around £1500.

 

We go through a messy breakup and she wants her money back.

That's fine so I start paying her on a monthly basis

but what with losing my job, racking up debts I sometimes had to skip paying her to be able to pay my rent.

 

as I mentioned we didn't end on the best of terms and she would continually threaten me with court action.

 

one day I get a letter and she has filed a claim through the small claims court for £5k!

I obviously refute this seeing as her breakdown included things like dominos pizza £30 (failing to make the point that she actually ate half of it,

or broadband which was my direct debit etc) in other words making it up to pad out the figures.

 

I call up the number provided and spoke to a lady who told me that mediation is the best bet for our case

due to the facts the courts don't like trying to settle domestic disputes through county court judgement.

 

she sends me a form to fill in on what I think the right amount is and then to await a call for a meeting together with a mediator to settle the case.

 

I fill in the form for the £1500 and send it back.

 

What happens next shocked me.

 

I then receive a letter through saying that I now have a CCJ against my name for £1500

and that I will have to start paying her immediately.

No mediation, no discussion, nothing.

 

It turns out that because I agreed, I got lumped with a CCJ and she gets the last laugh so to speak.

 

That was three years ago and I am looking for a way to get this settled and turned into a CCS.

 

Any ideas?

 

Cheers in advance.

[renegadeimp]

Any written agreement? Shed be hard pressed to get a judgement without one.

 

Edit. She got the ccj because you admitted part of the claim so she declined mediation and went for the money.

[BaronJamie]

The written agreement I think was the form I signed saying I owed £1500 instead of £5000 - which I was told was for mediation purposes.

 

I cleared the debt back in 2012 but my main focus is getting the CCJ cleared. I checked online and I do have one albeit my DoB is stated incorrectly...

 

Also I should have been more clear, this was back in 2010.

[havinastella]

She HAS Judgement!!!!!!!!!!!!!!!!

 

Are you paying her the money/Have you paid her any money?

[AndyOrch]

Hi Jamie and welcome to CAG.

 

Golden rule never partial admit you automatically get a CCJ for the amount admitted and secondly never act on the advice of the staff at CCBC.

 

What is a CCS?

 

Regards

 

Andy

[havinastella]

The written agreement I think was the form I signed saying I owed £1500 instead of £5000 - which I was told was for mediation purposes.

 

I cleared the debt back in 2012 but my main focus is getting the CCJ cleared. I checked online and I do have one albeit my DoB is stated incorrectly...

 

Also I should have been more clear, this was back in 2010.

 

Ok, simply this will stay on your Credit file for 6years from the date of the CCJ.

[BaronJamie]

She HAS Judgement!!!!!!!!!!!!!!!!

 

Are you paying her the money/Have you paid her any money?

 

I finished paying her in early 2012.

[BaronJamie]

Hi Jamie and welcome to CAG.

 

Golden rule never partial admit you automatically get a CCJ for the amount admitted and secondly never act on the advice of the staff at CCBC.

 

What is a CCS?

 

Regards

 

Andy

 

Cheers, although it is a little late - I thought they were there to help - I must admit I feel both stupid and conned. County Court Settlement?

[BaronJamie]

Ok, simply this will stay on your Credit file for 6years from the date of the CCJ.

 

Can I get it settled? As in a CCS?

[AndyOrch]

You filled in the notice of admittance N9A ...you only get to mediation if you defend in full.

 

You can get a certificate of satisfaction from the court that issued the judgment then you can inform the CRAs.

 

http://www.trustonline.org.uk/understand-judgments-fines/certificate-of-satisfaction-satisfied-vs-unsatisfied-ccjs

 

Regards

 

Andy

[BaronJamie]

Well that's pretty annoying. Never mind, onwards and upwards!

 

I have paid the £4 at TrustOnline to see the CCJ, so I know it is there and it's with Northampton Court - I have to send them a letter? Is there a template for this?

 

Also regarding proof, knowing my ex, she will be, let's say, less than forthcoming regarding repayment (she has twice tried to get me to pay her more monthly installments by claiming she hasn't received some, even after she had confirmed via text and via my bank she had).

[dx100uk]

so you have no record of the payments made?

 

how do you know it settled?

 

if you've proof then get the cert of satisfaction.

 

is this CCJ causing you credit issues?

 

if this is the reason for the thread

that the CCJ is blocking mortgage etc?

 

even if you get the cert , it wont sort that out

 

sorry if i'm being thick

 

but was that the point of the thread?

 

dx