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How to Set Aside a CCJ order

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  • How to Set Aside a CCJ order

    Ive just found out today from my bank that I had an adverse record on my credit file after my overdraft was withdrawn.*Upon checking my credit file, I found out that this was because Lowell had succeeded in getting a CCJ judgment against me for an 82 debt which after court fees incread to 227.

    I would like to have my day in court as I wasnt aware of the hearing and this was a debt that was fiercely contested with Littlewoods before it was sold on to Lowell.

    l had brought an iPad from Littlewoods in Feb 2014 which I had paid for in full before interest started kicking in but due to an incorrect advise from one of their customer services advisor, I incurred some kind of administrative charge. I contested this and asked Littlewoods to listen to their recorded calls. This was escalated to their customer relations team in shop direct who had written to apologise and rescinded the decision to charge me so I was very surprised when in 2015, Lowell started chasing me for the same debt of 60 or so. I had called and told Lowell that I did not owe the debt and that they should supply me with information they had. They refused to do this and told me to speak to Littlewoods. I got on the phone to Littlewoods who then told me that they could no longer see any information on my account and so had to deal with Lowell but Lowell want giving me details either.

    I then resorted to ignoring Lowells letters so I didnt know that this had now been escalated to a court claim and so missed the notice to go to court.*


    Is there any chance that I can successfully have this set aside by the courts so that I can prepare for a defence in court?

    Any advise will be greatly appreciated.

    CCJ was recorded in Sept 2019.
    Tags: None

  • #2
    Most companies hold records of data for at least 6 years so your starting might should be to make a subject access request for all data (if any) Littlewoods holds about you. If you know the account details then you should supply them with this information too.*

    Otherwise as to the setting aside of the CCJ, I suggest you read my guide first to give you an understanding of the process involved.

    https://legalbeagles.info/forums/for...tailed-version
    Check out some useful guides below

    A guide to voluntary termination
    Seting aside a CCJ
    Completing an N180 Form (Courtesy of Jaguarsuk)

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    Please be aware that this is a public forum and is therefore accessible to anyone. The content I post on this forum is not intended to be legal advice nor does it establish any client-lawyer type relationship between you and me. Some of the content I post may include example wording, letters, or other similar responses but they are intended purely for informational and educational purposes. Using some or all of the content I post may fail to meet your needs that is specific to your situation. Therefore any use of my content is at your own risk and I cannot be held responsible in any way. It is always recommended that you seek independent legal advice and you can do this through the Law Society's Find a Solicitor database, by contacting your local Citizen's Advice Bureau or legal advice centres such as LawWorks. You may also be able to seek legal advice from your local university who may run a free (but limited) legal advice clinic to members of the public.

    Comment


    • #3
      Thank you very much for your reply. I will send the SAR report off to Littlewoods today and follow the link provided.

      Comment

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