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  • Buy-to-Let

    Will this affect my credit?

    Hi,

    I have just visited a garden flat that I rent and in the hallway was a letter from a county court with a judgement against me for electricity used by the first floor flat for which I have never lived there and nor do I own it.

    I know that the person who actually owes the money and actually lives there probably gave the electricity company my name as a diversion tactic.

    The judgement does not have my date of birth and and I have never lived there I dont know if it will affect my credt.

    I know that tenants who dont wish to pay their utilities sometimes use the landlords name to confuse the utility company.

    I will phone the court and EDF tomorrow.

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    You have to submit an application to remove this judgment against you. It will cost a few hundred quid. Provide other bills to show them you don’t live there. Good luck

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    It doesn't cost anything to set aside a CCJ

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    Yep ASAP

    Check your files and have a NOC applied immediately.

    I had incorrect negative information  showing which months down the line I am still disputing.

    Next it is the ICO if stupid npower don't change the address details correctly.


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    I am having issues now over mistakes by 2 companies. Get your statutory report from all 3 companies (Equifax, Experian & Noodle/call credit) and challenge all mistakes. It costs £2 per report or free for Noddle. They all hold slightly different data and different companies use different credit agencies. Best of luck!

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    If they don't have my date of birth and I have never lived at the property how can it affect my credit file?

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    Maybe I misread your post. I assumed it’s an address you own and a bill in your name? If it is then I would contact both the company and check your credit reports. I read 30% of credit reports have errors and I have little faith in them after spotting two major errors on mine. Best of luck with it.

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    It is in my name but I don't own it.It relates to the first floor flat and I own the ground floor.

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    Contact the provider and tell them the situation. They can order the court to remove the CCJ. Meanwhile, you should apply to have it set aside. You'll need to fill out an N244 form (pdf). The application fee is £255, but if you're on a low income, you can apply to get help with court fees. In the form, you'll need to explain that you want to set aside the judgment and the reason why. https://hmctsformfinder.justice.gov.uk/HMCTS/FormFinder.do

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    Can I invoice EDF for the cost of the application to get it set aside as they have made this claim against me with no evidence

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