CCJ - Not sure what course of action I should take.

[DerBer777]

I have recently checked my credit file as I am hoping to apply for a mortgage in a years time. Upon checking I see that I have a CCJ for £3177. I had absolutely no idea what the CCJ was for or who it was from. I called CCBC who told me it was from Thomas Higgins on behalf of a company that provided a storage service to me for a period of time. They claim I owe them 2860.90 for services between January 2013 and June 2014 and interest daily.

Firstly I did not live at the address the CCJ forms were served too and secondly I did not use their services through all the dates claimed.

I am in a bit of a muddle as I don't know if I should request the CCJ to be set aside or if I should write to the company and give a full and final settlement and for them to send me a invoice showing nill value so the CCJ can be satisifed.

Thanks in advance

[wales01man]

What is the date on the CCJ if more than a month old it may be recorded and paying will not remove it. Why pay a debt that is not yours?

[jaguarsuk]

What is the date on the CCJ if more than a month old it may be recorded and paying will not remove it. Why pay a debt that is not yours?

Exactly, a satisfied CCJ is still a CCJ and could adversely effect your ability to obtain a mortgage or if you can mean a higher interest rate. If you don't owe them anything then why should you be affected?

I believe you should apply to set the judgement aside and therefore write to the claimant asking their consent giving them 7 days to reply.

If they ignore you or refuse then proceed to file an application to set aside. There's more info on the process here: http://legalbeagles.info/forums/foru...tailed-version