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Hi all,
So last week I applied for a mortgage and it was denied, after checking my credit file a CCJ was put on there in June 2018. It was attached to an address from 2013. I rang the local court for that area (I now live in a different county) and they told me the reference number and who took me to court.
The claimants were a debt recovery, I'm not disputing I owed them money, however, they didn't even use my last known address but the address before that. I moved from my previous address a couple of months ago which the current tenants have my forwarding address.
So I didn't receive any correspondence regarding this matter and had no chance to resolve it before I was given a CCJ.
At the time of the hearing I was also unwell and had just come out of hospital.
I'm in a position to pay the debt however the CCJ has really messed things up for me and the CCJ is £396.
I know I can put a N244 application in, but is it worth it? How do I word it?
I don't know what to do.
So last week I applied for a mortgage and it was denied, after checking my credit file a CCJ was put on there in June 2018. It was attached to an address from 2013. I rang the local court for that area (I now live in a different county) and they told me the reference number and who took me to court.
The claimants were a debt recovery, I'm not disputing I owed them money, however, they didn't even use my last known address but the address before that. I moved from my previous address a couple of months ago which the current tenants have my forwarding address.
So I didn't receive any correspondence regarding this matter and had no chance to resolve it before I was given a CCJ.
At the time of the hearing I was also unwell and had just come out of hospital.
I'm in a position to pay the debt however the CCJ has really messed things up for me and the CCJ is £396.
I know I can put a N244 application in, but is it worth it? How do I word it?
I don't know what to do.
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