Forgive this emotional pregnant lady, I’ve spent most of the day in very confused tears and seem to be going round in circles. We’ve applied for a new rented house and submitted our application forms yesterday. Mine has come up declined. The estate agent said she’s not allowed to say what the CCJ relates to but told me the amount and that it dates from 2016. It’s about £900 and it rang a bell straight away as in December I had a water bill from a property I’ve not lived in for 6 years, saying the outstanding amount which is the same as the apparent CCJ. I paid in full on the day I received the letter, as I had no idea I even owed this money. Nowhere does it mention any court action.
I’ve lived in a house inbetween that one and where I am now and at neither address have I been contacted. My phone number has also remained the same. I’ve called the water company and they say they can’t see any reference to a ccj but gave me the number of a court that they use. They have no record of me, but gave me the number of another court who also have no. They told me to get a full credit report from Experian as the details would be in there. I’ve done that and it’s showing nothing. I emailed the estate agent to tell them this, and they’ve come back to say try equifax as that’s who their referencing people use and it’s more conprehensive. I’ve done that, and again there’s no ccj recorded on the report. So what do I do??
The estate agent have said I need to get a certificate of satisfaction and if I can get that before we move I can just declare the ccj, be referenced again and will pass. Our other alternative is to pay 6 months rent upfront which we’re fortunate to be in a position to do but it feels so unfair when I can’t find any record of this supposed court judgement. What do I do??