Hello and welcome again. Thank you for throwing more light on your situation.
I feel sorry for your situation. However, if one sees from legal angle, you cannot be absolved from your obligations, legal or otherwise, just because the person whom you entrusted with the task of keeping you informed did not do so.
While I fully agree with your situation, these to continue to remain completely different issues. The result is the CCJ that you have. What you do with the lady for her negligence is completely different issue and you will have no effect of that on your compliance with the CCJ which still remains open.However, having said this,
as I understand, you have already made this payment.
So, we need to address two issues -- One, getting CCJ set aside and two, getting this off your credit report as well.
The following link very nicely explains the process of setting aside.
There will be one form, (about which you will read on the above link) needs to be filled out.
I would best advice you to seek help of local county court office OR a local attorney who would help you with the paper work. This is not at all a lengthy process.
Having once done this, your estate management company is correct that your credit report will carry all this for six years. However, once you get your judgment set aside, this too will appear on your credit report automatically.
While applying for mortgage, you should supply this documentation as well which will be considered favorably by the mortgage company.
I am sure this would help.
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