CCJ - received in error. What next?
Discussion
Hello all,
To cut a long story short I had a minor cosmetic operation at company A's hospital and paid the bill in full two years ago then moved house.
Somehow company B's hospital then billed me for the same work a few months later after I'd moved house.
I knew nothing about this until two years later when Firstly I was refused credit several times which has caused me some personal woes and secondly a while after the credit was being refused I got a solicitors letter telling me I had a CCJ and now had a court order to sell my house to recover the debt.
Anyway company B has admitted their error (actually they haven't they have just that in light of the receipt I sent them they won't be pursuing the case - an apology would have been nice) and now the solicitor is going through the courts again to get the CCJ removed.
Where this leaves me now is:
1 - the CCJ is still on my file and will be for a while yet
2 - I have several records now showing refused credit on my file that can never be removed
3 - I am at a loss as to how the two companies shared my data. I think the dr who did the private operation on me must have got confused and billed the work in two places but I don't know I'm guessing as everyone says I must talk to their solicitor and the solicitor just states they are not pursuing the case further
All in all a simple explanation and apology would do me but it's the fact I'm being treated as guilt and they are doing me a favour by not pursuing it any further that is brassing me off.
I have asked a solicitor what to do and effectively it was grin and bear it. But I have had financial loss from this and due to the refused credit on my file it may affect me in the future. Moreover I think I should take up the data protection issue here as my personal details have been shared and taken through the courts etc
What should I do? Grin and bear it? Tia for your help
To cut a long story short I had a minor cosmetic operation at company A's hospital and paid the bill in full two years ago then moved house.
Somehow company B's hospital then billed me for the same work a few months later after I'd moved house.
I knew nothing about this until two years later when Firstly I was refused credit several times which has caused me some personal woes and secondly a while after the credit was being refused I got a solicitors letter telling me I had a CCJ and now had a court order to sell my house to recover the debt.
Anyway company B has admitted their error (actually they haven't they have just that in light of the receipt I sent them they won't be pursuing the case - an apology would have been nice) and now the solicitor is going through the courts again to get the CCJ removed.
Where this leaves me now is:
1 - the CCJ is still on my file and will be for a while yet
2 - I have several records now showing refused credit on my file that can never be removed
3 - I am at a loss as to how the two companies shared my data. I think the dr who did the private operation on me must have got confused and billed the work in two places but I don't know I'm guessing as everyone says I must talk to their solicitor and the solicitor just states they are not pursuing the case further
All in all a simple explanation and apology would do me but it's the fact I'm being treated as guilt and they are doing me a favour by not pursuing it any further that is brassing me off.
I have asked a solicitor what to do and effectively it was grin and bear it. But I have had financial loss from this and due to the refused credit on my file it may affect me in the future. Moreover I think I should take up the data protection issue here as my personal details have been shared and taken through the courts etc
What should I do? Grin and bear it? Tia for your help
Hi all. Thanks for your replies.
Sorry I should have said that I have already applied for it to be set aside. When I said " what next" it was really in the context of my losses - about £4000 so far - and the data protection issue. Should I just forget them or should I pursue them through the hospital and data protection agency? Any thoughts?
Thank you all
Sorry I should have said that I have already applied for it to be set aside. When I said " what next" it was really in the context of my losses - about £4000 so far - and the data protection issue. Should I just forget them or should I pursue them through the hospital and data protection agency? Any thoughts?
Thank you all
ChrisNic said:
The credit searches completed before you were aware of the CCJ won't show as a fail they will simply show as a search.
Multiple searches over a short period of time isn't seen as a good thing (would you want to be the last friend a mate asks to borrow money from??) but time is a healer.
How many searches did you complete, over what period, how long ago?
Point 1 - great news ty.Multiple searches over a short period of time isn't seen as a good thing (would you want to be the last friend a mate asks to borrow money from??) but time is a healer.
How many searches did you complete, over what period, how long ago?
Point 3 - when I first got turned down I was incredulous so tried 3 other lenders all with an immediate rejection. I have 30 years of good credit behind me. Never missed any payments and use credit a lot for business and personal uses so this sudden lack of credit is a big issue for me.
Ty for replying.
glasgow mega snake said:
Proof from
The court that the judgement has been set aside can be provided to credit referencing agencies who ought to be able to rectify your credit record.
Do you know if this happens automatically by the court or do I have to wait for some paperwork from the court and then approach the credit agencies myself?The court that the judgement has been set aside can be provided to credit referencing agencies who ought to be able to rectify your credit record.
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