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Please advise me. CCJ with one year till SB suddenly appeared


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I was in horrendous debt when my husband left me with all the family debt and bills and no income

slowly I managed to work my way out of things and paid off what I could.

 

I took the ensuing years of bad credit rating on the chin and ploughed on watching my credit file with all my statute barred dates marked in my diary,

overjoyed when they started dropping off.

 

Suddenly I noticed my credit rating dropping again but couldn't work out why.

 

 

Today I logged in and saw that with one year to go before SB, Moorcroft have appeared with a defaulted debt

 

Also having lost my CCJ last year suddenly out of nowhere I have one for £400 odd again with the SB date for a years time!

 

I had no clue about that one, where has it been all this time and why just appear now?!

 

It feels like I will never be debt free! :|

 

Is there anything I can do?

Surely if I had this CCJ it would have appeared before now.

It's been 5 years since the date of it.

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Who is the CCJ for ? There should be a CCJ reference, so you can contact Northampton Bulk centre to get hold of all the information.

 

When was the credit record updated ? Perhaps it was hidden previously ?

 

Moorcroft only chase debts for companies. They don't own them.

 

Were these debts all in your name ? Could they have chased your ex first, got nowhere, so they are after you now ?

We could do with some help from you.

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