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Dear all,
Have (what i hope is a straightforward question.
I received a CCJ in 2014 and it is blocking me from getting a mortgage. Belo details:
- CCJ was for 371GBP for a defaulted CapitalOne card account and the debt had been passed on to Lowell
- The correspondence was sent to an address that i had not lived at since 2010...
- Despite CapitalOne sending statements to my new address (so no idea why the CCJ was sent to an old one)
- I have satisfied the CCJ in full a few months ago because i thought it would help with my getting a mortgage, but i need the CCJ set aside from my credit reports regardless.
- Lowell has potentially agreed to sign a Consent Order.
My question is if they sign a Consent Order (i am yet to draft it and not sure what it should read like), do I still need to send in an N244?
N.B. I just want this set aside as quickly as possible and don't mind tentatively paying a few hundred quid instead of waiting several months to have it set aside after a hearing.
Thank you in advance!
Have (what i hope is a straightforward question.
I received a CCJ in 2014 and it is blocking me from getting a mortgage. Belo details:
- CCJ was for 371GBP for a defaulted CapitalOne card account and the debt had been passed on to Lowell
- The correspondence was sent to an address that i had not lived at since 2010...
- Despite CapitalOne sending statements to my new address (so no idea why the CCJ was sent to an old one)
- I have satisfied the CCJ in full a few months ago because i thought it would help with my getting a mortgage, but i need the CCJ set aside from my credit reports regardless.
- Lowell has potentially agreed to sign a Consent Order.
My question is if they sign a Consent Order (i am yet to draft it and not sure what it should read like), do I still need to send in an N244?
N.B. I just want this set aside as quickly as possible and don't mind tentatively paying a few hundred quid instead of waiting several months to have it set aside after a hearing.
Thank you in advance!
