Hi There I hope I’m posting this in the right place. It’s a bit of a story to bare with me.
I split with my wife 2 months ago. About 1 month ago a received a credit card statement and payment demand from capital one. It had a balance of roughly £2400 outstanding. Checking my credit file(never done this before or I would have known sooner) I discover I have this credit card taken out 3 years ago with most payments made on time only the the past 2 months funnily enough hadn’t been paid. I immediately contacted Capital One explained what has happened. I also got in contact with my wife to find out what the is going on. After a lot of faffing about she has taken ownership of the debt with capital one and they are in the process of removing it from my credit file.
However even more concerning is I have found a CCJ in my name that was issued in march 2016 and settled in march 2018. After some digging I have found it was for a mail order
electronics catalogue from 2013! I suspect my lovely wife took this out to pay for TVs, playstations etc in my name and has never told me. I intend to contact the court and try get the judgement set aside but i’m not sure how to go about this the judgement is settled and not outstanding. The only evidence I have is that payments never came out of my own personal bank account as we always had separate accounts. Could i get my wife to write them a letter? I don’t have any leverage to get her to do this I don’t think. I really need help as was hoping to sell up and move in the next couple of years and doubt i’ll get a new mortgage with this CCj on my file.
Sorry for the wall of text I’m just looking for advice as all this has come as such a shock.