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What date was the CCJ please?
When did you find out about the CCJ please?
Date of CCJ was 08/12/2008
Found out about the CCJ on 6/01/2014 on my Equifax financial record
And your defence is that it should have been included in the bankruptcy?
But more importantly I need the CCJ registered as satisfied like the bankruptcy as minimum so my mortgage people will accept it, also the address served was not my current address at the time as I had moved
Have you spoken to the creditor and asked them to do this please?
Yes, but it is not their policy
Is the debt satisfied though?
only in term of a bankruptcy as this states it was satisfied on 03/2010, and the CCJ debt was pre bankruptcy in 2008, so it is covered by the bankruptcy
financially satisfied - no
Have you send a copy of that to the Court to get a certificate of cancellation?
but it is confusing as to why the credit files states bankruptcy satisfied and not the CCJ which would have come under the umbrella of the bankruptcy
Send / take it to the Court with a copy of the bankruptcy that shows it is settled.
The court should then mark it as satisfied for you. There is a cost, I think of £15 to do this.
sorry, take what?
You may need to send this certificate to Equifax, Experian and Call Credit
The document that shows that this loan was satisfied in the bankruptcy
I do not have a document for this, this assumption is only because the bankruptcy was post CCJ so therefore all the pre bankruptcy debts are covered including the ccj, do you mean a discharge form bankruptcy certificate?
If you have a copy of the discharge certificate and can confirm from the OR it was included, these are the things you need.
Does that help?
This will not remove the record from my credit file, which is what I would like to do so we can get a new mortgage, do I have a good enough position to state that I need it setting aside as I was not at the property at the time?
or is there any other way I can get this set aside as I did not defend this at the time as I was unaware of it, or could I have it set aside because of any other reasons? I would have though the Bank would not fight it too much as they know it was in the bankruptcy and it is due to expire on its 6th birthday in Dec 2014
there was no defence, hence the placing in the bankruptcy, I just need to get it registered as satisfies on the credit file like the bankruptcy or removed so I can get a new mortgage as we need a further bedroom for a new baby. They will give me one with the bankruptcy but not the CCJ as well
But should it be shown as satisfied? As is the bankruptcy?
Does the Bank have capacity to have it marked as satisfied?
Yes I see that
But should it be shown as satisfied? As is the bankruptcy?#
OK, then I guess this is my only route
I will just have to grovel!!
Yes I appreciate that, my own fault, as only got credit file this month to check everything
Thank you for your time
You confirmed my thoughts on it, thank you
I will leave the feedback.