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Jo C.
Jo C., Barrister
Category: Law
Satisfied Customers: 70194
Experience:  Over 5 years in practice
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I HAVE HADXXXXXJUDGEMENTS ATTCHED INCORRECTLY TO

Resolved Question:

I HAVE HADXXXXXJUDGEMENTS ATTCHED INCORRECTLY TO MY NAME AND
WHEN I CONTACTED THE COURT THEY TOLD ME I HAD TO TAKE LEAGAL ADVICE. THE CCJ'S
DO NOT BELONG TO AND THE ADRESS SITED IS ION WALES. WHAT CAN I DO TO REMOVE
THIS FROM MY NAME AS IT IS ADVERSELY AFFECTING MY CREDIT RATING?

STEPHEN
Submitted: 3 years ago.
Category: Law
Expert:  Jo C. replied 3 years ago.
Hi.

Thank you for your question. My name is XXXXX XXXXX I will try to help with this.

What are their dates and how did you find out please?
Customer: replied 3 years ago.

I found out when I went to my building society for additional borrowing on our mortgage. We have lived at the same address for over 11 years and have never lived in Wales. My full name isXXXXX


19/06/2008 - 8XA06901 - £762.00 - Mr Stephen John Tonge


20/04/2009 - 9XY23217- £3558.00- Mr Stephen Tonge


 


Linked Addresses


 


194, EAST ROAD, TYLORSTOWN, FERNDALE, MID GLAM, CF433BY

Expert:  Jo C. replied 3 years ago.
Thank you.

You need to apply to set aside the CCJ's essentially on the basis that you did not get the summons which I presume is what you are saying?

You will find quite good information upon that here

http://www.bdl.org.uk/images/12_EW_NDL_Setting%20aside%20a%20judgment%20in%20the%20county%20court.pdf

When that is done you need to ask the credit reference agencies to correct their records. They will probably agree to do that when the CCJ is set aside. If they do not then you could always complain to the information Commissioner because they are data controllers under the data protection act and so have a duty to maintain their records correctly but it is unlikely to reach that point.

Can I clarify anything for you?

Jo
Customer: replied 3 years ago.

Hi Jo


 


I may have misunderstood, but these do not belong to me. I get the setting aside but on the grounds that I didn't get the summonds?

Expert:  Jo C. replied 3 years ago.
the issue is not at this stage whether you have a defence to the claim but whether there are grounds to set aside the judgment. You need to raise specific grounds. If it's just that you have a defence to the judgment then the court will not be interested in that.
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