Natwest vs. Moorcroft and CCJ

[mrvonnegut]

Hello,

on 9th of July 2018 I was issued a CCJ for 326£ for a non payment into my Natwest account

- 6 month earlier I moved abroad and despite my better knowledge my direct debit with the phone company wasn't properly closed and the Natwest account went into arrears for that amount.

 

As soon as I found out of that matter on 20th October 2018 I settled the amount in full with Moorcroft (the debt recovery agency instructed by Natwest to recover the amount).

 

When I returned to the UK I was shocked that my credit score was completely depleted

- despited an otherwise good record

- and that for the following 5 years I won't pretty much be able to access credit and other common financial products regardless of the fact the debt has been paid in full (and despite a stable high salary etc.).

 

When I contacted Moorcroft in January this year they said they can't do anything about it and the record will stay as is.

They said the best they could do was to send me a letter (attached) that I can use as a confirmation that the CCJ was now settled.

 

I was pretty sad and frustrated and shocked that a 300£ debt could put me into such distress (I literally cannot even get a monthly mobile phone plan) and despite having settled it I would carry such consequences for the next 5 years... so I archived the letter and tried to forget about it.

 

I recently checked my credit report and it states that the CCJ status is still active.

 

I would like to ask: 

- is it really not possible to adjust the CCJ status ? 

- are there any actions I can take to mitigate my situation ?

- shouldn't at least Moorcroft have sent a more comprehensive letter stating that the CCJ was settled (instead of a generic 'payment received' with no indication of what and why) ?

 

 

Note: when I tried to contact Natwest in October 2018 they bounced me across several departments but ultimately no-one could/would want to help as the account was permanently closed and passed onto debt recovery and they couldn't find much information about my records (apart from saying it's closed and Im no longer a customer of the bank and won't ever be able to be one again).

 

Thanks,

V

 

moorcroft and NW CCJ.pdf

[Andyorch]

Hi and Welcome to CAG

 

DId you inform Nat Wets of your change of address and was they aware you had moved abroad ?

 

Andy