Unknown CCJ - What to do
Discussion
I did a credit check the other day and discovered, to my horror, that there is a CCJ recorded for £5760! I've never defaulted on anything, so can only assume it was from a minor car accident I was in seven years ago (went 50/50 in the end) and the ambulance-chasers put a claim in. A call to the county court confirmed it was a claims-type company, and are sending me the files, which I haven't seen yet.
Some facts, based on the assumption this is in fact to do with the crash:
- The CCJ is recorded for my old, old address, that I lived in at the time of the crash but haven't lived since 2007;
- The date is November of 2011 - so fairly recent considering the crash was in 2005 (can they even claim that late?);
- There was mail forwarding set up from that address for a year after I moved in 2007, though see above;
- I've never seen nor heard anything about this before - and no one has chased for the debt.
So - What to do? I assume my insurance company would have dealt with it at the time, had I received the form. But seeing as I didn't, it's now been recorded as a CCJ. How do I go about clearing this, if that's even possible? A quick Google suggests I may have to apply to have it set aside, though it may still be on my record for six years..
Some facts, based on the assumption this is in fact to do with the crash:
- The CCJ is recorded for my old, old address, that I lived in at the time of the crash but haven't lived since 2007;
- The date is November of 2011 - so fairly recent considering the crash was in 2005 (can they even claim that late?);
- There was mail forwarding set up from that address for a year after I moved in 2007, though see above;
- I've never seen nor heard anything about this before - and no one has chased for the debt.
So - What to do? I assume my insurance company would have dealt with it at the time, had I received the form. But seeing as I didn't, it's now been recorded as a CCJ. How do I go about clearing this, if that's even possible? A quick Google suggests I may have to apply to have it set aside, though it may still be on my record for six years..
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