unknown CCJ - NOW WHAT

[MrClutch]

Hi,


I have done a credit check this morning to see if I am getting any better and I saw 3 CCJs (see below)
I wasn't aware of these, although I do believe from the amount the first 2 are college fees that I didn't pay.


my question is how I go about dealing with them now.


thanks in advance


Judgment date
28/11/2013
Amount
£ 1,070

Court name
Money Claims Centre


Judgment date 10/09/2012
Amount
£ 1,895

Court name
County Court Money Claims Centre


Judgment date 02/03/2012
Amount
£ 991

Court name
My local court



So I have £3956 worth of CCJs, the oldest of which is 3 years.


My question is this, where should I go from here as I don't want to wat another 3-4 years for them to fall of my file. I need to improve my credit rating so should I try to start paying these back?


Thanks in advance


Turns out I would have to pay £130 application fee due to my wage, meaning I would have to pay £390 (3 CCJs) without guarantee they would be set aside.

[Amethyst]

Re: unknown CCJ - NOW WHAT

Turns out I would have to pay £130 application fee due to my wage, meaning I would have to pay £390 (3 CCJs) without guarantee they would be set aside.

In which case you would need to sort out settlement so you can get a certificate of satisfaction which will look better on your credit file although won't clear them off.

[MrClutch]

Re: unknown CCJ - NOW WHAT

How do i go about a settlement as i have never had any paper work, i only know of them as i saw them on my credit file

[MrClutch]

Re: unknown CCJ - NOW WHAT

Would the 6 years remain from the date they was put on my file or would it restart from the satisfied date?

[Amethyst]

Re: unknown CCJ - NOW WHAT

It would still run from the date it was added to your file.

How come you didn't know about them ? Were they made at a previous address ?

Having them set aside ( if you managed it) would not necessarily help as if you then lost the CCJ would start from the beginning again.

Does your credit file show the claimant - if not you'll have to go to trust-online and look yourself up.

What's the 3rd one for? ( as it's unusual being at your local court rather than northampton ccbc )

[MrClutch]

Re: unknown CCJ - NOW WHAT

The first 2 are for college fees and the 3rd is for a local solicitor.

I was basing my claim on the fact i lived in shared accomodation, never received the documents, they was not send by recorded delivery, as a result i didnt have the 28 days to pay etc

[MrClutch]

Re: unknown CCJ - NOW WHAT

Sorry about the caps lock, its a default action I have for my data processing at work

[MrClutch]

Re: unknown CCJ - NOW WHAT

Well getting them set aside looks like a no go. So I guess I should ask if it is better to pay them off or leave them unsettled (from a credit file point of view)

[ploddertom]

Re: unknown CCJ - NOW WHAT

You may pay them off and ask for a Certificate to show them Satisfied but in reality this does not do your Credit File much good as they still remain until the 6 years are up and they fall off. Even at the end of 6 years you still owe the monies it just doesn't show any more. To apply for Set Aside is £155 per application (rumoured to be going up to £255 in April) but if you owed the money then all that would happen is you would swap 1 CCJ for another - I doubt your defence would be strong enough.

[MrClutch]

Re: unknown CCJ - NOW WHAT

So I may aswell just leave them if satisfied aint gonna really make a difference v unsatisfied

[stevemLS]

Re: unknown CCJ - NOW WHAT

So I may aswell just leave them if satisfied aint gonna really make a difference v unsatisfied

Yes, except you run the risk of enforcement action, attachment of earnings, enforcement agents etc for the full six years (and thereafter if the creditor obtains the court's permission).

I you were successful in getting them set aside, which I doubt at this stage, and a new CCJ was obtained by the creditor, that would remain on your file for a further six years.

Sorry.

[MrClutch]

Re: unknown CCJ - NOW WHAT

So what do you think guys, should I contact the courts to set up a payment plan or just leave them? I will pay as I don't deny the debts, will just be a case of me contacting the courts as I haven't heard from them