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Hello, my name is ***** ***** it is my pleasure to assist you with your question today.
What do you hope to achieve please?
I want to have the ccj setaside , preferably with the bank's consent and arrange with them out of court to pay my former bank/employer, and clear this asap, so i can start my new job
OK, thank you, ***** ***** this with me - I will look into this for you, get my response ready and get back to you on here. No need to wait around and you will get an email when I have responded, thank you
Many thanks for your patience. If you were genuinely overpaid by your employer and this was not money to which you were legally entitled to then that will be something they can pursue you for and you would be expected to repay them. There are limited circumstances when you can try and challenge such a claim, for example you did not know you were overpaid and have since changed your position as a result of having this extra money, but that means going out of your way to make spendings which you would not normally make (so it will not include bills, mortgage, everyday shopping, etc) and you would also have to go to court to plead your case.
Assuming you accept this was money you should not have received and just want to pay it back, you need to contact the employer and arrange with them some form of a repayment agreement, whether a lump sum or periodic repayments. Once the repayment has been done you can make an application to mark the CCJ as satisfied, although it would still remain on the register for 6 years. This is not as bad as having an unsatisfied CCJ though because at least anyone who sees it would know that the debt has been repaid and that you do not have any outstanding debts and CCJs against your name. You will need to contact the court to advise them that the debt has been repaid, provide proof of this and ask them to mark it as satisfied on the Register.
Hope this clarifies your position? If you could please let me know that would be great, thank you