Sherforce/CCI Legal Not sure how much I owe.

[Sophie123]

Hello,

I have 2 CCJ,S.

1. Default date 04/10/2011 for £664. I have never aknowledged or paid anything off this debt.Will it come off my file next month forever?When I look on my ccj,s it says judgement date 04/09/2014.Does that mean the debt is from then or the default date.

2. CCJ for £1497 .Previous employer NHS chased me for an overpayment after I resigned.I was not well at the time and I buried my head and Shefrforce came to the house and I have been paying £30 PM ever since.
I had a letter oct 2014 saying debt was now with Cci legal.I have carried on paying £30 pm.

I am a lot better now and have started my own business very recently and really want to tackle money matters.
I really have no idea how much I still owe on the NHS debt.
I want to find out but I am very scared of triggering renewed interest in the first CCJ which I am hoping will drop off my file next month.

If I email Cci will they tell me how much I owe and also what is the best way of contacting them.
I have experienced quite a lot of anxiety and nightmares after the Bailiff turned up at the door from Sherforce but I really want to clean my file up.
Just want to know the best way to approach Cci which looks like its changed to CCI credit management.
I pay by standing order from my bank.
I have never had any letter from CCI ,never had a statement and really am looking for guidance on the best way to communicate with them,

Thank you to anyone who can help.

[Amethyst]

Re: Sherforce/CCI Legal Not sure how much I owe.

1: the CCJ will stay on your credit file, and the register until 4/9/2020 ( six years from judgment ) The debt bit will come off the credit file 4/10/17 yes - but of course the CCJ is more important, and that will stay ( even if you pay it off though it could be marked as satisfied)

2: CCJ as well - not sure when you got that and started your £30pm but seems you have been paying at least 3 years which is £1080 - so shouldn't be too much left, although you may have had additional amounts added from the enforcement. Again that won't leave your file until 6 years after the judgment.

Of course that might well affect what you want to do as you have another three years to go before the CCJ falls off the file.

[Sophie123]

Re: Sherforce/CCI Legal Not sure how much I owe.

Hi
Ok thank you.
That is pretty bad news for me.
Can I dispute a CCJ after it has been granted?

Also what is the best way to communicate with CCI debt management?Should emailing be ok?

Thank you.

[ploddertom]

Re: Sherforce/CCI Legal Not sure how much I owe.

Who have you been paying the £30pm to? If Sherforce then unfortunately they will have kept most of it for fees etc and you may only have been paying as little as £10 off the actual debt.

[Amethyst]

Re: Sherforce/CCI Legal Not sure how much I owe.

I think letters would be best - is it this company -> http://www.ccicm.com/
That's for the NHS overpayment judgment - what year did you actually get that CCJ ? Have you calculated how much you have paid to date ? It might be a suprise how much is left - but getting a statement is a good step forward in getting it out your hair ( though still on the credit file )

The other one - do you know what it is for at all ? did you get the court papers and just hide from it at the time or did you just find it on your file one day ? Who is the judgment holder ?

[Sophie123]

Re: Sherforce/CCI Legal Not sure how much I owe.

Hi,

Thanks again for replying.
The year for the CCJ with NHS is dated 15 September 2012.
Any advice how to word the letter?
I have tried to log into the ccim page but its not recognising my ref number.

The other CCJ was with THREE.
I really cannot remember any papers for the telecomms debt but that does not mean I did not receive any.
I never actually used the phone and it was not the phone they promised.The arguments went on for ever and I just hid from it in the end.However it is not for an unpaid bill,I never used the phone.

I could be wrong on this but I thought I saw once they had registered the debt twice.I cant remember if I saw it on Experian or Equifax,I have checked noddle and clearscore and very limited information so think I should get my statutory report again.I noticed Experian are doing free forever credit reports,are they as good as paying the £2.00 fee?

Many thanks.