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Old CCJ can it affect me?
MiChris04
Posts: 6 Forumite
Hello any help or advice on this problem would be much appreciated
I currently have a mortgage with santander & have had it since 2005 before that it was with britania from 2002
Before that I had some advesre credit but got it sorted I did however get a ccj issued sometime in 2001 or 2002 I thought I paid it off in 2004 but I have recently found it still on my experian file I have got in touch with the court (Northampton) who said they would update the info once I got a letter from SCM (acting for Lloyds TSB) with the date & amount stating that it had been settled I have got this info But SCM say that it I settled it in January 2006
I am currently selling my home & trying to obtain a new mortgage will this info count against me or will staying with santander be a better option?
I am up to date on all mortgage payments & never defaulted & my credit card & bank account are all upto date. Thanks.
I currently have a mortgage with santander & have had it since 2005 before that it was with britania from 2002
Before that I had some advesre credit but got it sorted I did however get a ccj issued sometime in 2001 or 2002 I thought I paid it off in 2004 but I have recently found it still on my experian file I have got in touch with the court (Northampton) who said they would update the info once I got a letter from SCM (acting for Lloyds TSB) with the date & amount stating that it had been settled I have got this info But SCM say that it I settled it in January 2006
I am currently selling my home & trying to obtain a new mortgage will this info count against me or will staying with santander be a better option?
I am up to date on all mortgage payments & never defaulted & my credit card & bank account are all upto date. Thanks.
0
Comments
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It should only stay on your file for 6 years after the CCJ was issued. So it should be gone now.Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0
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