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    • moonboywales
    • By moonboywales 18th Jun 17, 6:48 PM
    • 5Posts
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    moonboywales
    CCJ in parents name
    • #1
    • 18th Jun 17, 6:48 PM
    CCJ in parents name 18th Jun 17 at 6:48 PM
    Looked at my Experian today i do every week and saw i had a CCJ put on there dated Jun 2016. It is in my mothers name and thought that very strange even though we live together we are not financially linked. The source is the Registry trust so i checked their website for my name and nothing came up, checked for my mothers and indeed there was one.

    Why would it appear on my report if it is her CCJ? Any help would be appreciated, contact the court first or experian or the trust?
Page 1
    • sourcrates
    • By sourcrates 18th Jun 17, 6:53 PM
    • 12,459 Posts
    • 11,855 Thanks
    sourcrates
    • #2
    • 18th Jun 17, 6:53 PM
    • #2
    • 18th Jun 17, 6:53 PM
    Your mother is your first port of call.

    Was it her debt, does she know what it's all about ?

    Failing that the court that issued it should be able to tell you.

    Why it's on your file is anyone's guess.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • moonboywales
    • By moonboywales 18th Jun 17, 6:56 PM
    • 5 Posts
    • 0 Thanks
    moonboywales
    • #3
    • 18th Jun 17, 6:56 PM
    • #3
    • 18th Jun 17, 6:56 PM
    yeh i think its from an unpaid mobile phone bill, We,ve never shared a contract or anything. Very strange, Ive emailed both experian and the Registry trust first, I'm good with my finances so bit scared to ring a court. If they cant resolve it i will have to
    • sourcrates
    • By sourcrates 18th Jun 17, 7:04 PM
    • 12,459 Posts
    • 11,855 Thanks
    sourcrates
    • #4
    • 18th Jun 17, 7:04 PM
    • #4
    • 18th Jun 17, 7:04 PM
    yeh i think its from an unpaid mobile phone bill, We,ve never shared a contract or anything. Very strange, Ive emailed both experian and the Registry trust first, I'm good with my finances so bit scared to ring a court. If they cant resolve it i will have to
    Originally posted by moonboywales
    You don't actually speak to the judge, don't worry, it's just some bloke or more often a woman, in an office, you will need to contact the court at some point as placing a county court judgement on the wrong persons credit file is a bit of a school boy error.

    I can also recommend getting some advice from National debtline about this as well.

    See what they recommend.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • moonboywales
    • By moonboywales 18th Jun 17, 7:09 PM
    • 5 Posts
    • 0 Thanks
    moonboywales
    • #5
    • 18th Jun 17, 7:09 PM
    • #5
    • 18th Jun 17, 7:09 PM
    Thanks for your help, i would imagine if i was responsible for the debt it would be in my name not someone elses, even if it was a joint contract or something, but i've never been named on anything

    I'll give feedback incase happens to anyone else
    • moonboywales
    • By moonboywales 18th Jun 17, 8:03 PM
    • 5 Posts
    • 0 Thanks
    moonboywales
    • #6
    • 18th Jun 17, 8:03 PM
    • #6
    • 18th Jun 17, 8:03 PM
    Also surely it doesnt take a year for a CCJ to appear on credit file, the date of judgement was June 29 2016?
  • National Debtline
    • #7
    • 19th Jun 17, 11:38 AM
    • #7
    • 19th Jun 17, 11:38 AM
    Hi moonboywales

    If your mother’s CCJ has been registered on your credit report it won’t be the fault of the court. The court updates the Registry Trust with details of CCJs, in this case we know it is correctly showing a CCJ in your mother’s name. It is the credit reference agencies who check the Registry Trust for information.

    It sounds like this is an error on the part of the credit reference agency. Contact them and explain someone else’s CCJ is showing on your credit report. This should then be removed without any issues. You can’t have someone else’s debts recorded on your credit report and you can’t be held liable for a debt you are not named on.

    Your mother will need to deal with the CCJ and she may want to seek advice on the best way to do that from one of the free debt advice agencies. Failure to do anything might lead to further action being taken against her to recover the debt. Hope this helps.

    Susie
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • moonboywales
    • By moonboywales 19th Jun 17, 3:07 PM
    • 5 Posts
    • 0 Thanks
    moonboywales
    • #8
    • 19th Jun 17, 3:07 PM
    • #8
    • 19th Jun 17, 3:07 PM
    Thanks, great help as havent been able to get through to the court, i emailed experian and the registry trust so just waiting to here back, hopefully experian can sort it themselves....or is that wishfull thinking, hope this doesnt go on for ages
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