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Hi all,
I really need some advice on what I can do.
Our landlord is looking to sell where we live and has given me first refusal so upon checking me credit file, I was shocked to find I had a CCJ.
Long story short, I took on a subcontractor in 2018 who worked for my Ltd company, Not me personally. This is where the CCJ has come from.
The subcontractor (who is the son of a family friend) did a poor job which resulted in the client holding payment until I had gone back to rectify the work.
I rectified the work promptly so the client would pay. This resulted in the subcontractor being paid around two weeks late. I explained all of this to him, and he said he understood.
next thing I know I have a CCJ!
I have paid the CCJ (My Ltd company paid the CCJ not myself)
Although quite some time has passed, and I have paid the CCJ is there anything that can be done as I did not know the CCJ was on my personal credit file.
I have read that I can ask for a consent order and then apply to have the CCJ set aside by consent?
I did contact a CCJ removal company, but they wanted to charge me £600 which seems very excessive, they also mentioned a consent order.
Is this the case? Any help on this would greatly appreciated.
Thanks
I really need some advice on what I can do.
Our landlord is looking to sell where we live and has given me first refusal so upon checking me credit file, I was shocked to find I had a CCJ.
Long story short, I took on a subcontractor in 2018 who worked for my Ltd company, Not me personally. This is where the CCJ has come from.
The subcontractor (who is the son of a family friend) did a poor job which resulted in the client holding payment until I had gone back to rectify the work.
I rectified the work promptly so the client would pay. This resulted in the subcontractor being paid around two weeks late. I explained all of this to him, and he said he understood.
next thing I know I have a CCJ!
I have paid the CCJ (My Ltd company paid the CCJ not myself)
Although quite some time has passed, and I have paid the CCJ is there anything that can be done as I did not know the CCJ was on my personal credit file.
I have read that I can ask for a consent order and then apply to have the CCJ set aside by consent?
I did contact a CCJ removal company, but they wanted to charge me £600 which seems very excessive, they also mentioned a consent order.
Is this the case? Any help on this would greatly appreciated.
Thanks
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