Just spotted a CCJ on my credit file from 2020 - the process of getting it set aside

[ostell]

They used an incorrect address knowing that there would be no response and so they would get a default judgement. Not uncommon

[DarrenBoro]

Hi Echat1 - and thank you for taking the time to respond ( espeially over the festive season )

I will follow that advice to the letter ( figuratively speaking ) when you say "They probably sent everything to the wrong address on purpose" am I right in thinking that this was done because when as they expect I get in touch RE: the CCJ they will then have a valid address for me? or some other reason?

Kind refards in advance
Darren

[echat11]

Hi Darren

Contact the Claimant state the facts (never lived at address / never received paperwork), ask that they consent to the set aside, proving they agree, the set aside fee is £100 otherwise it's more then double that.

You could also consider sending them a SAR, they will provide all the data on the account, which will show everything was sent to the wrong address. They probably sent everything to the wrong address on purpose. They have 30 days to respond to the SAR. Make sure you get Proof of Postage.

https://legalbeagles.info/library/gu...ccess-request/