Hi all,
My first post here, I'll try and be brief.
I recently found out through Experian that I have a CCJ against my name that i was completely unaware of. I have never taken any loans, had any credit or store cards etc. I have always been good with money and have saved up for everything I own, so this came as quite a shock.
After a calling Experian and him giving me the CCJ case number, I then called North Hampton court at which they told me it was given to me by BW legal Law portfolio, I have never heard of them but the debt was originally sold to them by LLOYDS TSB.
After thinking what it could be the only conclusion i can come to is it must be the 'returned direct debit fees' that i had problems with a long time ago.
Basically it was a mobile phone monthly debit bill that came out before my wages went in, no internet banking back then meant i couldn't sort it out quickly and within a few days I'd racked up a stupid debt even though no money was even taken from my account by the phone company (I had no overdraft). after much arguing with the bank they said it would be sorted after paying a smaller sum back, all sorted so i thought until now. I moved house within the next few months after, and i never used that bank again (out of principle) and never received any more letters from them or any debt collectors.
So the point I am getting to is this debt was from as far back as 2006 if i remember right and yet the CCJ had been given to me in January 2015, I don't really much about the law but something doesn't seem right there.
I'm a bit stuck what to do now, I'd never even been aware of the CCJ otherwise i would of tried to sort it there and then. Right now i can't even upgrade my bank account let alone think about getting my first house mortgage, which is terrible as I'm only 30 years old with an otherwise clean record with never having any debt or bad credit of any kind.
I will be very grateful if anyone can help me with this matter as i really want to move on with my life and start getting my credit up for buying my first house which seems almost impossible with the CCJ looming over my head.
Thank you for taking the time to read about my problem and thanks in advance for anyone able to help me it will be most appreciated.
Logan
My first post here, I'll try and be brief.
I recently found out through Experian that I have a CCJ against my name that i was completely unaware of. I have never taken any loans, had any credit or store cards etc. I have always been good with money and have saved up for everything I own, so this came as quite a shock.
After a calling Experian and him giving me the CCJ case number, I then called North Hampton court at which they told me it was given to me by BW legal Law portfolio, I have never heard of them but the debt was originally sold to them by LLOYDS TSB.
After thinking what it could be the only conclusion i can come to is it must be the 'returned direct debit fees' that i had problems with a long time ago.
Basically it was a mobile phone monthly debit bill that came out before my wages went in, no internet banking back then meant i couldn't sort it out quickly and within a few days I'd racked up a stupid debt even though no money was even taken from my account by the phone company (I had no overdraft). after much arguing with the bank they said it would be sorted after paying a smaller sum back, all sorted so i thought until now. I moved house within the next few months after, and i never used that bank again (out of principle) and never received any more letters from them or any debt collectors.
So the point I am getting to is this debt was from as far back as 2006 if i remember right and yet the CCJ had been given to me in January 2015, I don't really much about the law but something doesn't seem right there.
I'm a bit stuck what to do now, I'd never even been aware of the CCJ otherwise i would of tried to sort it there and then. Right now i can't even upgrade my bank account let alone think about getting my first house mortgage, which is terrible as I'm only 30 years old with an otherwise clean record with never having any debt or bad credit of any kind.
I will be very grateful if anyone can help me with this matter as i really want to move on with my life and start getting my credit up for buying my first house which seems almost impossible with the CCJ looming over my head.
Thank you for taking the time to read about my problem and thanks in advance for anyone able to help me it will be most appreciated.
Logan
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