Help for a friend - Moorcroft

[Luminol]

Hi all,

I'm posting this for a friend, she's just been on the phone to tell me the tale and I thought you guys could give her some help

My friend wanted to re mortgage to get a new kitchen, she passed initial credit check fine, she went to finalise it all today and was told that she had failed the CRA check.

She was advised that she has a CCJ for £31,000 pounds against her!

After some tracking, she discovered that Moorcroft registered this CCJ, so she called Moorcroft with the reference number of the judgement, they said, "that was for a catalogue debt that you settled on the same day we applied for a CCJ, the amount of the catalogue debt was £310.00. We must of put a comma instead of a full stop on the papers!" Don't worry I can confirm that in writing for you, and we'll sort out the CRA's"

My friend then contacted Northampton, and they said well if you want it removing you'll have to pay the admin charge and provide all the proof.

Now because I have a jaded opinion of Moorcroft, and they simply seem too helpful, I wouldn't trust them to update anyone and as it was their error surely my friend shouldn't have to pay for the judgement removal? and that's not starting on all the stress and embarrassment my friend has had to endure.

I'm not sure, what do you guys think and where would you begin??

Hopefully, said friend will sign up to forum shortly to take over the thread and answer any questions

Lumi x

[Guest]

Re: Help for a friend - Moorcroft

If she settled the account the day Moorcroft "applied for a CCJ" presumably the CCJ was never granted? A CCJ can only be granted in court, by a judge not by application of Moorcroft, or any other company. So, what does the CRA entry actually state?

This does not add up. Northampton CCBC will only have a register of actual judgments, following a hearing, not entries from credit files.

A CCJ is only recorded on the register of judgments if it is not settled 30 days after being granted.

Did your friend receive a claim form, or attend court over this debt?

[Luminol]

Re: Help for a friend - Moorcroft

Thanks Cet, I shall endeavour to find out more for you!

Lumi x
------------------------------- merged -------------------------------
My friend is here now and will update

[guava]

Re: Help for a friend - Moorcroft

I don't recall recieving anything other than from Moorcroft and i certainly didn't attend court.
When speaking to MC this afternoon she told me that the debt was for £315 not £31,500and she can not understand why the debt stated £31500(possible a typo she said), the debt was paid to one of there collectors and cleared off file, when questioning her, she said that all the necessary paperwork clearing the debt was sent to the court and she would get something in the post tonight stating so.
I cannot understand why - i have a CCJ against my name, when the debt had been cleared
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any help on the matter will be gratefully recieved, especially as this is now stopping me getting my advance

[Guest]

Re: Help for a friend - Moorcroft

A CCJ may well have been granted, but you ought to have known about it because prior to a CCJ, there must be a claim, then a hearing and you must agree terms. If you were permitted to pay this off in instalments, then an order must have been made to that effect.

The court will only be involved if Moorcroft filed a claim against you and you will only have a judgment if you failed to respond to that claim, or you admitted it and agreed to pay it by instalments.

Do you have a county court judgment against you?

[Luminol]

Re: Help for a friend - Moorcroft

my friend 'Guava' is going to advise the situation from the beginning, after a chat with Cet (thx Cet) in Chatroom, there's a few points that need clearing up

But all help gratefully received guys as always

Lumi x

[guava]

Re: Help for a friend - Moorcroft

Just thought a little more info would help!....this is a debt passed on original by catalogue company JD Williams & Co to Moorcroft, i did ignore the debt for a while as i refused to pay for goods i returned(my first mistake) Moorcroft sent me a number of letters demanding payments etc...Eventually after recieving a letter informing me that someone would be attending my house, i began to take the debt seriously. I had a man(from Moorcroft not from the courts) come to my door asking me to make weekly payments until the debt was cleared......the following week MC man turned up i paid off the debt he signed my payment book and that was it(Aug 08)
Today i have a phone call from my morg provider, telling me that my advance has been put on hold, due to a ccj that is against my name for £31,500, he provided me with a Court number and advised me to contact then to clear up the matter ASAP.
I spoke to Northampton Court who could only provide me with who had past the debt on(along with another ref No) he advised me to contact them. I asked him to confirm the amount, but he refused, advising me that once i had spoke to other parties involved i could ring another number where they would be able to assist
I spoke to Moorcroft who firstly disagreed with the amount, saying it was for £315(possible typo), but it was cleared and no further action was being taken....I have a ccj against my name I said....
She told me that the debt had been cleared and paid to one of there door agents, no further explaination was given regarding the ccj, other than saying she will send out paperwork to confirm the above, which i would be able to show my morg provide and send to the court(so that it can be cancelled!!!!)
This is all very confusing, as i remember getting letter upon letter from MC but do not remember getting one from a court regarding a ccj.
My concerns are that i've had a ccj for 31,500 on my credit file since 08, effecting my credit.
Is it now MC responsibilty to clear this? or up to me?
Is it possible to have a ccj but not know about it?
More info tomorrow after speaking to N/hampton

[pompeyfaith]

Re: Help for a friend - Moorcroft

Guava,

The only way a CCJ can be issued is by them issuing a claim on an N1 claim form and then going through a lengthy court process that could take 6 mths to reach a trial date.

Have you moved house at all in this time period ?

Could they of used another address to send the court claim too?

to get to the bottom of this you need to get a copy of all the documents the court holds.

Regards

[WendyB]

Re: Help for a friend - Moorcroft

If you get a copy of your credit file (Experian, Equifax etc) it may show the CCJ number and when it was issued. I'm not certain of that but worth a try, credit file copy only costs £2 and you can request it online.