Hi
This is my first time posting and I'm really grateful for any responses.
I obtained my credit file from Equifax on Friday and to my dismay found I have a CCJ for £165 from Sept 2014 at an address I haven't lived at for 4 years
Upon further investigation using Trust online and contacting the Money Claims Court I've found out the Claimant is Civil Enforcement (CE) for Breach of Contract and a reference number starting PCN was given.
I have tried to contact CE by phone - I get a recorded message requesting payment and no option to speak to anyone, and by email (no response as yet) I am at a complete loss as to what this claim is for or what contract I have breached?
What chances do I have, asking for the judgement to be set aside?
I have been advised it will cost me £155 in court fees to to request the CCJ to be put aside?
The DVLA were informed of my new address becuase I requested a new driving license.
My fear is I have spent the last 5 years saving hard for a deposit for a house, and will have no chance of securing a mortage with a CCJ on file. I'm 40years old this year, and feel it's my last chance to secure my own home.
This is my first time posting and I'm really grateful for any responses.
I obtained my credit file from Equifax on Friday and to my dismay found I have a CCJ for £165 from Sept 2014 at an address I haven't lived at for 4 years
Upon further investigation using Trust online and contacting the Money Claims Court I've found out the Claimant is Civil Enforcement (CE) for Breach of Contract and a reference number starting PCN was given.
I have tried to contact CE by phone - I get a recorded message requesting payment and no option to speak to anyone, and by email (no response as yet) I am at a complete loss as to what this claim is for or what contract I have breached?
What chances do I have, asking for the judgement to be set aside?
I have been advised it will cost me £155 in court fees to to request the CCJ to be put aside?
The DVLA were informed of my new address becuase I requested a new driving license.
My fear is I have spent the last 5 years saving hard for a deposit for a house, and will have no chance of securing a mortage with a CCJ on file. I'm 40years old this year, and feel it's my last chance to secure my own home.
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