CCJ Advice

[Northdude]

Hi I'm just after some advice as to the best way for me to approach this so hope someone can help.
Basically on Christmas I received an alert on my credit file that a CCJ had been issued against me which was filed on the 24th of December.
I had to wait until the 30th for the court to open to find out what it was for and who the claimant was. It turns out that its a large plumbing supplier who filed a CCJ for £270.
They had down an address I lived in 14 years ago. I handed in change of address forms to this supplier on 2 separate occasions. They have my phone number and email address and made no contact with me what so ever apart from sending letters to this old address. My new address is also on the electoral roll.
I contacted them to find out what this bill was for. It turns out someone else had bought items and used my account around may 2024. I sent them my signature and asked them to compare with whoever signed for the goods and they emailed me back stating they would cancel the bill as an error had been made.
I've spoke to the legal department of the supplier and they said they will mark it as paid and it should clear from my credit file as its paid within 28 days. I rang the court and they have stated that its 28 days from when the ccj letter was sent out!
Just today all my credit card limits have been cancelled and I have a mortgage to renew and a business to run.
What is the best way for me to go about this. Will this clear on its own as oaid or will I need to try to get this set aside and if so should I use a company or do it myself?
I don't want to apply to set it aside myself and mess it up and have the ccj stand for 6 years, it will destroy my business.
Sorry for the long story, it's just to provide some context. Any advice at all will be much appreciated. Thanks

[des8]

A bit of a shock to say the least.

28 days from 24th December is 21st January, so as it has been marked as paid those entries should be deleted.
However it can take time for CRA records to catch up.

Has the court been told the award has been satisfied?
Just cancelling (/what were they actually doing?) the bill (judgment award) is not sufficient
Check the register here https://www.trustonline.org.uk/?gad_...UaAnAdEALw_wcB

Others might well pop in with more advice

[Northdude]

Thanks for the reply. So it should go from my credit file if its marked as paid? The person from the court was saying its too late for that but yeah the CCJ was issued on the 24th of December. Yes it was a bit shock, especially on Christmas day!

[pc52straw]

So, did the plumbing supplier apply for default judgement despite knowing they sent the claim to the wrong address, despite not serving you with anything, and using an address so outdated that they can't reasonably claim it is the "last known"?

Surely they can't do that and cause such inconvenience without expecting any comeback.

If they've admitted in writing it wasn't your debt and inflicted all of the inconvenience of a CCJ on you by relying on grossly outdated and wrong personal information, I'd be looking at making a formal complaint to their CEO, and quantifying the losses to you. You may also be able to present that to your own creditors, see if they can reverse their punitive responses.

I also wonder how it can be GDPR compliant to keep your old address on file for 14 years, and fail to update it, if you've used a different address since. If you've ordered more recently from a different and updated address, and your newer address is on those invoices, and the address used when incurring the debt is totally unrelated, that definitely needs an explanation. Perhaps their systems have been hacked and they haven't detected the breach.

By rights, you may be able to take them to court, if you have a valid cause of action and you have suffered a quantifiable loss.

[JK2054]

you'll struggle to set aside a CCJ you paid to be honest with you

[des8]

you'll struggle to set aside a CCJ you paid to be honest with you

I read post 1 as the judgment award was not paid, but the creditor has marked it as paid

[Pezza54]

Please read "County court judgements for debt" at www.gov.uk

The debtor has one month from the issue date of the ccj to pay the debt in full to get the judgement removed from the register

OP should obtain proof of payment from the creditor and then write to the court stating the debt has been paid in full and enclose the evidence

If the debtor pays in full after one month the judgement can be marked as "satisfied" but it will remain on the register for 6 years

Form N443 "Application for a certificate of satisfaction/cancellation" should be used to apply to the court
The form does state that the applicant can still apply if they are unable to produce evidence

The form also states it is one month from the date of judgement to pay in full, not 28 days from the date the ccj letter was posted

[Pezza54]

Following on from the last post:
OP should complete N443, attach it to an email to the court, and/or post it with proof of postage (not wait for evidence from the creditor)
The court will write to the plumbing supplier and if this company either fails to reply to the court or confirms payment has been received, the ccj will be removed. Providing the court receives the N443 within one month of the date of judgement

[JK2054]

the time the court receives the N443 is actually irrelevant, its the time it takes OP to pay.

[Pezza54]

According to OP's thread they are not paying the claimant or the court anything. OP can't just rely on the claimant informing the court the claim was a mistake