CCJ on my credit record due to insurance company

[Kookai]

Hello

 

in nov 2010 i hit a car in car park (broken lamp + scratch bumper).

 

The insurance paid for damages (i lost NCB).

 

In 2012 (january?) i received a letter from Camp solicitors that they are going to the court in 10.2012.

Called my insurance and they told me that they want to go because Camp want to much,

but its only about money and i dont need to go.

 

No more letters/calls.

 

in 2012/13 i wanted to buy the council house - my morgage has been declined (in 2008 i had mortgage offer with excelence credit score)

 

in January 14 i applied to right to buy again, again the mortgage refused,

but now i found that i have a ccj again me from 10.2012 for a £1900 still active (not paid).

 

in April i Contacted my insurance (the lawyer company working for them). They told that they paid money and will sort all.

 

They contacted with the court with prof of payment and the court changed files to satisfied.

 

But they paid money after 30 days (insurance paid after 38 days) and CCJ is still on my files.

 

I cant buy the house,

i have a business and this is affecting me.

Im renting the house instead of paying mortgage,

 

The house is £10k more expensive from when i first applied.

I cant buy home insurance and have been burglary 05.14 (£1200 loss).

 

What can i do to have a CCJ removed?

 

Can i claim any losses/cost?

 

A clear credit record changed to a badly damaged one all from the incompetance of a professional company paid to deal with matters on behalf of the insurers.

 

What should I expect for 6 years physical damage (already 2 years)

 

Then there's the mental stain it has caused.

 

The stress caused to deal with this.

 

The break down in my relationship with my family.

 

The higher interest rates that have been impossed on me as a result of the ccj being visable to lenders.

 

The restriction of not being able to extend credit to grow my business.

 

Think they need to pay me for having to think of all the things on top of that too.

 

Not letting go of this as the company deserve what's coming to them for their failiures

 

Any Help?

 

Thank You

 

 

Regards

 

Lucas

[Kookai]

I miss - The court was for a whiplash damage

[BRIGADIER2JCS]

If the CCJ was paid by the insurer after the 30day time scale it will remain on file but should be marked as "satisfied" you have to take this up with the insurer.

[Kookai]

If the CCJ was paid by the insurer after the 30day time scale it will remain on file but should be marked as "satisfied" you have to take this up with the insurer.

 

Yes, now it's satisfied, but still can't take a mortgage.. Regards

[BRIGADIER2JCS]

Yes, now it's satisfied, but still can't take a mortgage.. Regards

It will be difficult to get this removed from the public records now, you still need to contact the insurer about it.

[Kookai]

Insurer was happy to help, but when he found that payment was late. All the time someone is on holiday, not answering phones/emails.

[BRIGADIER2JCS]

Insurer was happy to help, but when he found that payment was late. All the time someone is on holiday, not answering phones/emails.

Which insurer is this?

[Kookai]

Equity Insurance Group

[BRIGADIER2JCS]

Equity Insurance Group

Make a complaint to Tim Yorke the Chief Operations Officer.