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Hi all, I'm new to this forum.
I was making regular payments with a DCA and they were not adjusting the balance of the debt to reflect the payments I made over a 7 month period. The debt was then passed to another DCA who then passed the debt onto a solicitors who actioned a CCJ against me. I was pretty gobsmacked as I has been making regular payments to the debt so didn't think they could do this.
I looked into why I had been given a CCJ and it was because it looked as though I wasn't making regular payments when in fact I was. I argued the toss with the various DCA and solicitors who eventually deducted the payments I had made along with the court fees which they had also added onto the account. (Outstanding debt is £123)
They are now telling me because I hadn't put a reference number in a box they were within their right to go ahead with the CCJ. I am extremely annoyed as the court costs have been deducted but the CCJ remains on my credit file hindering me from obtaining a mortgage. To me it doesn't seem fair and just.
I have made a complaint to the FSA aswell as the various DCA's and solicitors.
Would you agree I am well within my right to request the CCJ be removed?
Any advice would be very much appreciated.
I was making regular payments with a DCA and they were not adjusting the balance of the debt to reflect the payments I made over a 7 month period. The debt was then passed to another DCA who then passed the debt onto a solicitors who actioned a CCJ against me. I was pretty gobsmacked as I has been making regular payments to the debt so didn't think they could do this.
I looked into why I had been given a CCJ and it was because it looked as though I wasn't making regular payments when in fact I was. I argued the toss with the various DCA and solicitors who eventually deducted the payments I had made along with the court fees which they had also added onto the account. (Outstanding debt is £123)
They are now telling me because I hadn't put a reference number in a box they were within their right to go ahead with the CCJ. I am extremely annoyed as the court costs have been deducted but the CCJ remains on my credit file hindering me from obtaining a mortgage. To me it doesn't seem fair and just.
I have made a complaint to the FSA aswell as the various DCA's and solicitors.
Would you agree I am well within my right to request the CCJ be removed?
Any advice would be very much appreciated.
