Hi there
I'm trying to get on top of some historic debt, and have just done a credit agency search on myself.
I had a current account balance of -1900, with an overdraft balance of 5000, back in 2007, total outstanding 6,900
The bank applied to the circuit court with a Civil Bill, looking for judgement of 6900, plus costs of around 250.00, total of around 7200,
On the judgement search, it turns out that the bank got a judgement for 29,000, not 7,200.
Initially I though the bank had made a mistake in the figure on the civil bill, but I drove to the court house yesterday to get a copy if it, and the amount is correct, 7200. I asked the lady in the office and she said that according to her records there, yes, they got a judgement for 29,000.
How could the judge award a judgement for the creditor over four times the original debt, or where does the mistake lie?
I don't really want to have to go to a solicitor to get advice on this, I'm just wondering how I go about getting it corrected.
Any advice from people in the know would be appreciated,
Sean