Help Required - Default AFTER CCJ

[helpme23]

Hi,

 

For good reasons

i fell behind with my payments on my Water account back in 2008,

in 2010 the company obtained a CCJ against me, i accept this

- we hadnt paid and nothing they could do.

 

Nothing happened until December last year, when our financial position changed

so i made a re-payment arrangement with the water company.

Ever since we have made a good dent in the debt.

 

However,

I have checked my Equifax account today and the water company registered a default against me in 2015,

frustrating as the CCJ has JUST dropped off

- they have also not shown the payments i have made to them since.

 

My question is,

as the company already had a CCJ

- and nothing had changed since 2010,

can they then also register a default for the same debt 5 years later

- surely the default occured before the CCJ?

 

Its frustrating as i have worked really hard to clear our credit records and things are just looking up!

Now i have a Default in place for another 5/6 years!!!

 

Any help would be most appreciated.

[reallymadwoman]

My first step would be to write to the water company asking for an explanation. Ultimately you may need to take this to the Information Commissioner, but you will need to show that you've tried to resolve it with the company to begin with.

 

I wouldn't mention anything about the CCJ, just ask why a default has been registered in 2015 when you were not aware of there being any issue.

[dx100uk]

so following the CCJ you changed supplier or had moved from the premises?