Black Horse - Took CCJ out against me when they owed me money?

[colcam101]

I had a motor finance agreement with Black Horse. In Feb 2014 they gained a CCJ against me for approx £700 owing against the car (I had paid over £20k during the agreement but had lost my job). I was still paying this back to them when in Sept 2016, I received a cheque for £950 from them which the letter said was due to payments made that they were unable to keep due to "an omission made from the annual statement(s) we sent to you". I presume this was the omission regarding my rights to settle early etc though their letter didn't state this. I also received a letter from them stating that my account was paid in full as of 16/9/16 (the date of the first letter) and that production of the letter "at the County Court would enable me to apply for a certificate of satisfaction on payment of a small fee."

Surely this means that they should not have taken me to court and should not have been able to get the CCJ against me? Would I be entitled to any compensation for this?

Any advice would be gratefully received.

[nemesis45]

Re: Black Horse - Took CCJ out against me when they owed me money?

Hi, Welcome to LB Colcam,

From what you say it's probable that you have grounds to have the judgement set aside but that's most likely to cost you money again

I would be minded to write to Black Horse ( find the name of an executive director/MD/EO) and put it to them given all that has happened will they agree to have the judgement set aside and removed from public records.
I know some have been successful with this.

nem