I never had a default in last 17 years and thus was the first and last default I hope. So the story goes as, I broke up with this girlfriend of mine and noticed after few months that there's a direct debit of £15 with Vodafone (my personal contract was with O2) in my account which I was completely unaware of for months (my ex knew all my details, I thought I could trust her). I immediately cancelled the DD. The DD was cancelled in March 2014. I moved to a different address following month and moved again in May 2018. In November 2018 I received a letter (first letter in all those years) at my new address from the debt collection agency demanding £275 for a ccj for their client Vodafone. Being a naive and not having a default ever I paid the outstanding amount immediately without thinking (I felt very guilty and ashamed Tbh). Now, I am planning to apply for a mortgage soon and this CCJ is bugging me as it has ruined my credit score. I know that the judge can argue that I didn't act promptly but can I still apply for it to be set aside? Recently, I tried to contact the debt collection agency and to explain but they were quite rude. What is the likelyhood of a positive outcome? Is it really worth it? How long would it take to get the judgment?
Unknown CCJ
Collapse
Loading...
X
View our Terms and Conditions
LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.
If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.
If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.
Announcement
Collapse
No announcement yet.
Court Claim ?
Guides and LettersSHORTCUTS
Pre-Action Letters
First Steps
Check dates
Income/Expenditure
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
Witness Statements
Directions Questionnaire
Statute Barred Letter
Voluntary Termination: Letter Templates
A guide to voluntary termination: Your rights
Loading...
Loading...