An acquaintance of mine was seriously ill a couple of years ago, and
spent a fair amount of time in and out of hospital. Not surprisingly,
finances weren't really her priority at the time and she fell behind
with several regular bills. Fortunately, she managed to catch up with
all of them before it went to court, with the exception of one -
British Gas, who obtained a CCJ for an unpaid debt of around 60 quid.

The CCJ debt was subsequently paid off in full almost immediately
after being issued - had British Gas held off a week or two anyway, it
wouldn't have even needed to go to court. But, it did, and so my
friend has a CCJ recorded against her.

That was, as I said, a couple of years ago. Recently, she decided to
check her credit record with one of the main agencies, and was
somewhat surprised to see that it still listed the CCJ as an open,
unsatisfied debt - since it has been paid in full, it should,
presumably, be shown as satisfied.

The question is, how can she go about getting the CCJ marked as
satisfied on her credit record?

Mark
--
"There must be a place, under the sun, where hearts of olden
glory grow young"
http://mark.goodge.co.uk - my pointless blog
http://www.good-stuff.co.uk - my less pointless stuff

On 13/11/08 22:20, Mark Goodge wrote:
That was, as I said, a couple of years ago. Recently, she decided to
check her credit record with one of the main agencies, and was
somewhat surprised to see that it still listed the CCJ as an open,
unsatisfied debt - since it has been paid in full, it should,
presumably, be shown as satisfied.

The question is, how can she go about getting the CCJ marked as
satisfied on her credit record?

IANAL, but I think all she needs to do is to apply to the court that
granted the CCJ for a certificate of satisfaction. She'll presumably
need to prove when the debt was paid. As I understand it, CCJs settled
within 30 days do not appear on your credit record.

- Ian

--
Ian Chard, Senior Unix and Network Gorilla | E:
Systems and Electronic Resources Service | T: 80587 / (01865) 280587
Oxford University Library Services | F: (01865) 242287

On Nov 13, 10:20*pm, Mark Goodge
wrote:
An acquaintance of mine was seriously ill a couple of years ago, and
spent a fair amount of time in and out of hospital. Not surprisingly,
finances weren't really her priority at the time and she fell behind
with several regular bills. Fortunately, she managed to catch up with
all of them before it went to court, with the exception of one -
British Gas, who obtained a CCJ for an unpaid debt of around 60 quid.

The CCJ debt was subsequently paid off in full almost immediately
after being issued - had British Gas held off a week or two anyway, it
wouldn't have even needed to go to court. But, it did, and so my
friend has a CCJ recorded against her.

That was, as I said, a couple of years ago. Recently, she decided to
check her credit record with one of the main agencies, and was
somewhat surprised to see that it still listed the CCJ as an open,
unsatisfied debt - since it has been paid in full, it should,
presumably, be shown as satisfied.

The question is, how can she go about getting the CCJ marked as
satisfied on her credit record?

Mark
--
"There must be a place, under the sun, where hearts of olden
glory grow young"http://mark.goodge.co.uk- my pointless bloghttp://www.good-stuff.co.uk- my less pointless stuff

All she needs to do is write to the credit agency with proof that it
was paid, requesting they correct their files and they will action it.
They are pretty good when there is a genuine error.

smithy

"smithy" wrote in message
...
On Nov 13, 10:20 pm, Mark Goodge
wrote:
An acquaintance of mine was seriously ill a couple of years ago, and
spent a fair amount of time in and out of hospital. Not surprisingly,
finances weren't really her priority at the time and she fell behind
with several regular bills. Fortunately, she managed to catch up with
all of them before it went to court, with the exception of one -
British Gas, who obtained a CCJ for an unpaid debt of around 60 quid.

The CCJ debt was subsequently paid off in full almost immediately
after being issued - had British Gas held off a week or two anyway, it
wouldn't have even needed to go to court. But, it did, and so my
friend has a CCJ recorded against her.

That was, as I said, a couple of years ago. Recently, she decided to
check her credit record with one of the main agencies, and was
somewhat surprised to see that it still listed the CCJ as an open,
unsatisfied debt - since it has been paid in full, it should,
presumably, be shown as satisfied.

The question is, how can she go about getting the CCJ marked as
satisfied on her credit record?

Mark
--
"There must be a place, under the sun, where hearts of olden
glory grow young"http://mark.goodge.co.uk- my pointless
bloghttp://www.good-stuff.co.uk- my less pointless stuff

All she needs to do is write to the credit agency with proof that it
was paid, requesting they correct their files and they will action it.
They are pretty good when there is a genuine error.

------------------------------------------------------------------

She can put a note on the file but the entry must be changed by BG.

On Nov 14, 6:45*pm, "Fred" wrote:
"smithy" wrote in message

...
On Nov 13, 10:20 pm, Mark Goodge
wrote:





An acquaintance of mine was seriously ill a couple of years ago, and
spent a fair amount of time in and out of hospital. Not surprisingly,
finances weren't really her priority at the time and she fell behind
with several regular bills. Fortunately, she managed to catch up with
all of them before it went to court, with the exception of one -
British Gas, who obtained a CCJ for an unpaid debt of around 60 quid.

The CCJ debt was subsequently paid off in full almost immediately
after being issued - had British Gas held off a week or two anyway, it
wouldn't have even needed to go to court. But, it did, and so my
friend has a CCJ recorded against her.

That was, as I said, a couple of years ago. Recently, she decided to
check her credit record with one of the main agencies, and was
somewhat surprised to see that it still listed the CCJ as an open,
unsatisfied debt - since it has been paid in full, it should,
presumably, be shown as satisfied.

The question is, how can she go about getting the CCJ marked as
satisfied on her credit record?

Mark
--
"There must be a place, under the sun, where hearts of olden
glory grow young"http://mark.goodge.co.uk-my pointless
bloghttp://www.good-stuff.co.uk-my less pointless stuff

All she needs to do is write to the credit agency with proof that it
was paid, requesting they correct their files and they will action it.
They are pretty good when there is a genuine error.

------------------------------------------------------------------

She can put a note on the file but the entry must be changed by BG.- Hide quoted text -

- Show quoted text -

Its the credit reference agencies responsibility to keep accurate up
to date information on their records. This error can be corrected in
two ways either BG correct the record or the credit reference agency
correct it.

smithy

On Nov 15, 5:45*am, smithy wrote:
On Nov 14, 6:45*pm, "Fred" wrote:





"smithy" wrote in message

....
On Nov 13, 10:20 pm, Mark Goodge
wrote:

An acquaintance of mine was seriously ill a couple of years ago, and
spent a fair amount of time in and out of hospital. Not surprisingly,
finances weren't really her priority at the time and she fell behind
with several regular bills. Fortunately, she managed to catch up with
all of them before it went to court, with the exception of one -
British Gas, who obtained a CCJ for an unpaid debt of around 60 quid.

The CCJ debt was subsequently paid off in full almost immediately
after being issued - had British Gas held off a week or two anyway, it
wouldn't have even needed to go to court. But, it did, and so my
friend has a CCJ recorded against her.

That was, as I said, a couple of years ago. Recently, she decided to
check her credit record with one of the main agencies, and was
somewhat surprised to see that it still listed the CCJ as an open,
unsatisfied debt - since it has been paid in full, it should,
presumably, be shown as satisfied.

The question is, how can she go about getting the CCJ marked as
satisfied on her credit record?

Mark
--
"There must be a place, under the sun, where hearts of olden
glory grow young"http://mark.goodge.co.uk-mypointless
bloghttp://www.good-stuff.co.uk-myless pointless stuff

All she needs to do is write to the credit agency with proof that it
was paid, requesting they correct their files and they will action it.
They are pretty good when there is a genuine error.

------------------------------------------------------------------

She can put a note on the file but the entry must be changed by BG.- Hide quoted text -

- Show quoted text -

Its the credit reference agencies responsibility to keep accurate up
to date information on their records. This error can be corrected in
two ways either BG correct the record or the credit reference agency
correct it.

Well, no, not really, she can correct it herself simply by giving
proof of what has transpired and requesting the agency either record
what she puts in or remove the offending bits, if they wont do that,
she can have areally good time at the agencys expense.