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Hi
i moved out of my previous address from Berkshire to West Midlands a few years ago but know the new owner so like once in the blue moon I get the odd letter that still manages to get there which is nearly always junk.
anyway I saw them this weekend and got some letters, one of them turns out to be a letter saying I have CCJ against me from U.K. power networks claiming I broke a power cable in Pinner back in January.
I’ve never been there more do anything like that for a living plus I was at work on that day. The letter looked like a scam so ignored it at first.
A few hours later I got an email from my bank saying something alone the lines of due to recent adverse changes to my credit file they will be reducing my credit card limit.
so I checked my credit report and there was a CCJ against my name since 9th September.
The same day on 23rd October I sent a very strong email to the court and U.K. power networks asking for an explanation. The next day I got a call from U.K. power networks saying that they have made a mistake in identification and will ask the court to have it removed but cannot say how long it will take.
im not happy with this response as this has caused a lot of stress and anxiety, not only is the CCJ having negative affect on my credit report all my credit card companies have reduced my limits which is having negative affect on credit report because it now says I’m using over 90% of available credit whereas before I was probably using about 10% of available credit.
my mortgage deal is about to expire and this will have a massive impact as my score has dipped by nearly 350 points
how can the company make a mistake in identity? As this all went to my old address I’ve not been aware of it and not seen any other letter for them demanding nearly £4000 from me.
My question are:
what other negative impact will this have on me?
how soon will this be removed and will it completely be removed and restore my credit file back to how it was?
what shall I do about my credit cards that now show I’m using 90% of my available credit as a result of this? Because this is also having a negative impact on my credit report.
what are my options with regards to suing them for the inconvenience stress and anxiety this is causing me?
Thanks I’m advance
i moved out of my previous address from Berkshire to West Midlands a few years ago but know the new owner so like once in the blue moon I get the odd letter that still manages to get there which is nearly always junk.
anyway I saw them this weekend and got some letters, one of them turns out to be a letter saying I have CCJ against me from U.K. power networks claiming I broke a power cable in Pinner back in January.
I’ve never been there more do anything like that for a living plus I was at work on that day. The letter looked like a scam so ignored it at first.
A few hours later I got an email from my bank saying something alone the lines of due to recent adverse changes to my credit file they will be reducing my credit card limit.
so I checked my credit report and there was a CCJ against my name since 9th September.
The same day on 23rd October I sent a very strong email to the court and U.K. power networks asking for an explanation. The next day I got a call from U.K. power networks saying that they have made a mistake in identification and will ask the court to have it removed but cannot say how long it will take.
im not happy with this response as this has caused a lot of stress and anxiety, not only is the CCJ having negative affect on my credit report all my credit card companies have reduced my limits which is having negative affect on credit report because it now says I’m using over 90% of available credit whereas before I was probably using about 10% of available credit.
my mortgage deal is about to expire and this will have a massive impact as my score has dipped by nearly 350 points
how can the company make a mistake in identity? As this all went to my old address I’ve not been aware of it and not seen any other letter for them demanding nearly £4000 from me.
My question are:
what other negative impact will this have on me?
how soon will this be removed and will it completely be removed and restore my credit file back to how it was?
what shall I do about my credit cards that now show I’m using 90% of my available credit as a result of this? Because this is also having a negative impact on my credit report.
what are my options with regards to suing them for the inconvenience stress and anxiety this is causing me?
Thanks I’m advance
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