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Welcome Finance CCJ - HELP!!!!
I'm currently going through my credit file as my score is 526, i've two CCJ's on there, one for welcome finance £6500 due to drop off next April, and another CCJ for £267 but i'm not sure what that's for, this is due to drop off 2015.
My biggest concern is the welcome finance CCJ, I was young and stupid getting a £1000 when i was 20yrs old, never paid anything back and the next thing i hear a year later is that i'm getting a CCJ that's now worth £6500 from £1000, i panicked when i got the court letters and just signed it and sent it back, i didn't understand anything about a CCJ being so young, i then got an attachment of earning for this at an agreed rate of £10 a month back to the debt was paid off, this was paid up until i moved jobs in December 2013, i wrote to the court and also spoke to someone at the court and she said it wasn't my duty to inform them it was my last employers, its been 10 months now and i've not heard anything and not made any sort of payment either.
What will happen to the CCJ once it drops off my credit file next year, are they likely to pursue another CCJ against me, whats the process? Will they have to find me again? Also can i argue against it as that's what i should of done in the first place coz i don't see how they can justify the debt getting to £6500 in the space of a year, they said they came to where i was living but i never got a letter saying they'd been, phone calls they had apparently made but i never received they have charged me £25 each time.
I have 9 defaults on my credit file also, quite a few of them to drop off next year, do i just wait them out?
I would appreciate if someone could advise me.
Many Thanks
Kate
My biggest concern is the welcome finance CCJ, I was young and stupid getting a £1000 when i was 20yrs old, never paid anything back and the next thing i hear a year later is that i'm getting a CCJ that's now worth £6500 from £1000, i panicked when i got the court letters and just signed it and sent it back, i didn't understand anything about a CCJ being so young, i then got an attachment of earning for this at an agreed rate of £10 a month back to the debt was paid off, this was paid up until i moved jobs in December 2013, i wrote to the court and also spoke to someone at the court and she said it wasn't my duty to inform them it was my last employers, its been 10 months now and i've not heard anything and not made any sort of payment either.
What will happen to the CCJ once it drops off my credit file next year, are they likely to pursue another CCJ against me, whats the process? Will they have to find me again? Also can i argue against it as that's what i should of done in the first place coz i don't see how they can justify the debt getting to £6500 in the space of a year, they said they came to where i was living but i never got a letter saying they'd been, phone calls they had apparently made but i never received they have charged me £25 each time.
I have 9 defaults on my credit file also, quite a few of them to drop off next year, do i just wait them out?
I would appreciate if someone could advise me.
Many Thanks
Kate
