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CCJ Not mine (UK)

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  • CCJ Not mine (UK)

    Hi all,

    Apologies, I'm new here so not sure if i should be posting somewhere particular so please let me know if i need to repost elsewhere!

    So onto the story;

    My dad got a parking fine on hospital grounds early in the year which he didn't pay, that went to court and he lost through not defending or attending(and didn't pay so no arguments there!)

    Fast forward a few months and I join Credit Expert and check my credit report which surprisingly has a CCJ on it under his name(or a shortened version of it). Ok so we have the same first and last name but a different middle name and obviously different date of birth and i am not registered to drive or own his car.

    Since then i have contacted the court who say that the only route is to get it set aside or speak to the solicitors that sent the judgement over.
    I spoke to the solicitor and they say that they cannot do anything as they simply submit the details of the person who offended and it is down to the court to allocate it to the correct person.

    So what i am wondering is whether someone could advise of a route to take going forward as i cannot afford to pay the £255 application fee to have the CCJ set aside in the immediate future and had gotten to a decent credit rating after a prior issue with having the same name as my dad.

    Thanks in advance!
    Tags: None

  • #2
    Re: CCJ Not mine (UK)

    You can't get a set aside as the the claim was nothing to do with you. I think the court have misunderstood what you were saying. So someone, somewhere dropped a clanger. It may have been the credit reference agencies.

    Comment


    • #3
      Re: CCJ Not mine (UK)

      Yeah from my view it just looks like some sort of admin error by someone as i had a look at 3 different credit score websites and only experian had it showing but their customer service was pretty poor for helping out.

      Should i try to go through the credit agency now and see if they can fix it or aim for the court again?

      Comment


      • #4
        Re: CCJ Not mine (UK)

        Yes, get on to Experian and tell them they've put the CCJ against the wrong person and you want it corrected immediately. Mention that this is a breach of the DPA by them misusing your personal data when they had no need to.

        Comment

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