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I have an issue which I haven’t come across when researching in the threads.
I received a CCJ in December 2019 for a parking fine. The claimant is a private individual, not a company or similar. I noticed this on my credit rating in 2020, naively buried my head in the sand as an immature early twenty going through some pretty awful personal circumstances. I did notice at the time that the address the judgement was sent to was incorrect? I’d moved from that address 6 months prior. I just assumed it would go away eventually and did nothing (I know…hindsight is a wonderful thing).
Fast forward to now. I know this will “fall off” my credit file late next year but I am ready to face up to responsibilities. The existence of the CCJ is now impacting my career and I want to buy a house early next year. My issue is I can’t get the claimant to respond to me. I have tried emailing the details given to me by the court as well as sending a letter recorded delivery to the address. He has collected it (it is a PO Box) but not made contact. I don’t know where else to go?
is it worth applying to have it set aside, even after all this time? It was served incorrectly and I didn’t receive any correspondence. I can prove my personal circumstances at the time if they will take that into account. But I’m aware it’s been 4 years. How can I get around this if he won’t communicate with me?
thanks in advance.
I received a CCJ in December 2019 for a parking fine. The claimant is a private individual, not a company or similar. I noticed this on my credit rating in 2020, naively buried my head in the sand as an immature early twenty going through some pretty awful personal circumstances. I did notice at the time that the address the judgement was sent to was incorrect? I’d moved from that address 6 months prior. I just assumed it would go away eventually and did nothing (I know…hindsight is a wonderful thing).
Fast forward to now. I know this will “fall off” my credit file late next year but I am ready to face up to responsibilities. The existence of the CCJ is now impacting my career and I want to buy a house early next year. My issue is I can’t get the claimant to respond to me. I have tried emailing the details given to me by the court as well as sending a letter recorded delivery to the address. He has collected it (it is a PO Box) but not made contact. I don’t know where else to go?
is it worth applying to have it set aside, even after all this time? It was served incorrectly and I didn’t receive any correspondence. I can prove my personal circumstances at the time if they will take that into account. But I’m aware it’s been 4 years. How can I get around this if he won’t communicate with me?
thanks in advance.
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