CCJ Registered twice

[selfhelp]

I feel that this issue may be unique but knowing the incompetence of the bank involved perhaps not. I had a judgement registered against me @ 2011 that I was unable to defend for various reasons. I also had an ongoing complaint against the bank (RBS) with the FOS that dragged on for an eternity essentially involving how a business loan was sold. I found it odd that RBS then appeared to be communicating with me as if they were unaware of the registered judgement they had obtained in early 2011. The debt mainly came about as fallout post recession.

I have let properties that I have been letting for a number of years and around mid 2012 I let my property that I was then living in. I'd made contact with change of address details to just about everyone I needed to make contact with. However RBS, unbeknown to me, then applied for judgement again for the same debt and as the tenant was failing to pass on any residual mail to the agent the judgement was registered for a second time. I therefore have 2 judgements registered by the same bank for the same debt irrespective for some reason they seem to have arrived at differing amounts.

When I became aware of the first judgement I didn't attempt to remove it as I did owe the money and I looked to either settle or negotiate a settlement. I'm aware that if anyone records adverse they shouldn't you do have recourse but unsure as to how this is applied in this case i.e. if you have a poor credit file does having irregular entries make it any worse? I think it may well be fanciful to think that I may be able to get both judgements struck off due to the judgement being entered twice but do I have any leverage re settlement. I'm still negotiating with them over a figure. Any advice greatly appreciated

[nemesis45]

Re: CCJ Registered twice

Hi, This judgement shows twice on " trustonline"? Or is this two entries on Credit Reference Files?
One would expect the second " judgement" to be quashed but the original would remain.
What are the details of these judgements are the account numbers the same?
You say the amounts differ is this by much? Could the extra be further court and solicitors fees?

[selfhelp]

Re: CCJ Registered twice

Judgement shows twice on Credit reference file
Account numbers are the same
Re: Amounts I haven't picked the bones out of it but it's not miles apart, I'm assuming the difference is either fees and/or rolled up interest, although I'm entirely clear that both amounts are incorrect and askew by @ £1400. I did think I could get one of them removed i.e. the second one as the first would lapse the soonest. There is some nuisance value there but I think little leverage to negotiate.
Regards

[nemesis45]

Re: CCJ Registered twice

Judgement shows twice on Credit reference file
Account numbers are the same
Re: Amounts I haven't picked the bones out of it but it's not miles apart, I'm assuming the difference is either fees and/or rolled up interest, although I'm entirely clear that both amounts are incorrect and askew by @ £1400. I did think I could get one of them removed i.e. the second one as the first would lapse the soonest. There is some nuisance value there but I think little leverage to negotiate.
Regards

The best approach (my opinion only) would be to make a Formal Complaint to the Claimant in regard to the second CRA entry this should be addressed to their Data Controller, copy this to ALL 3 main credit reference agencies you will need to explain fully why the entry is wrong and what you require them to do the rectify the situation.

You need to get copies of these judgements "trust online" can provide details the you can obtain the details of the judgements in full.
Alternatively contact the claimants legal department for an explanation.