Hello everyone,
I have just joined and would be really grateful for any advice on the chances of having a CCJ removed from my credit report.
I have recently found out that I have a CCJ which was issued October 2015. I haven't been living in England since March 2013 and have not received any correspondence with regards to the debt or anything from the court. I was living with my parents prior to moving abroad and hadn't received anything for some time. Honestly I didn't inform them I was moving - which I know I should have. Any post my parents received for me was sent back 'not at this address' until last week when my father decided to open a letter. It was from Lowell and explained there was 'enforcement action pending' as I had still not paid my CCJ (a CCJ that I had no idea I had!) The total is only £295 and I do not want this on my credit report as my partner and I are looking to move back to England next year and buy a house. Obviously if this is my debt I am more than happy to pay it, however I would like to know if I should do this prior to applying to having the CCJ set aside.
Obviously having just found out about this I would like the matter resolved as soon as possible! Thanks in advance.
I have just joined and would be really grateful for any advice on the chances of having a CCJ removed from my credit report.
I have recently found out that I have a CCJ which was issued October 2015. I haven't been living in England since March 2013 and have not received any correspondence with regards to the debt or anything from the court. I was living with my parents prior to moving abroad and hadn't received anything for some time. Honestly I didn't inform them I was moving - which I know I should have. Any post my parents received for me was sent back 'not at this address' until last week when my father decided to open a letter. It was from Lowell and explained there was 'enforcement action pending' as I had still not paid my CCJ (a CCJ that I had no idea I had!) The total is only £295 and I do not want this on my credit report as my partner and I are looking to move back to England next year and buy a house. Obviously if this is my debt I am more than happy to pay it, however I would like to know if I should do this prior to applying to having the CCJ set aside.
Obviously having just found out about this I would like the matter resolved as soon as possible! Thanks in advance.
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