CCJ In Credit Report

GillsMan7

Firstly, apologies, I couldn't work out which was the best forum for this.

Background: In 2006, HMRC decided I owed them some tax which I didn't. They wrote to me at my old address, which of course I never received, and subsequently I ended up with a CCJ. When I found out I had a CCJ, I spoke to HMRC, confirmed that I didn't, in fact, owe the money, and got the CCJ cancelled at court.

Problem: I'm moving house and my new Landlord has run a credit check on me via the National Landlords Association. It's come up that I have a CCJ and has given the details of the CCJ referred to above, only its status is listed as Active. Fortunately, my new landlord understands and is happy to let me move in regardless.

Today, I've checked my credit status online with Equifax, Experian and Callcredit, and this CCJ doesn't show up on any of the reports with these three, so I'm at a loss as to what to do, who to go to in order to resolve this problem and so on.

The issue is likely to get pressing very soon, as I've been contacted about an IT role at an Investment Bank, and they will need to credit check me before I start work. A CCJ would mean I couldn't take on the role.

Any idea what to do or where I can start on this?

stclair

Check this and see if you have any CCJs registered against you.

http://www.trustonline.org.uk/

I would recommend you contact the HMRC and ask them to put something in writing to you, regarding the CCJ being cancelled prior to it getting to court.

GillsMan7

stclair wrote: »

Check this and see if you have any CCJs registered against you.

http://www.trustonline.org.uk/

I would recommend you contact the HMRC and ask them to put something in writing to you, regarding the CCJ being cancelled prior to it getting to court.

Cheers for the advice. Did that. No CCJs registered. Not sure where I go from here tbh, but it's pretty frustrating.

stclair

Well im stumpt if you have already explored that avenue.

There are alot of knowlegeable posters on MSE who will not doubt come along soon, who will be able to give you some advice.

GillsMan7

Cheers for your help.

Update: I spoke to Northampton County Court who referred me onto the local court that dealt with this back in 2006. They confirmed that the CCJ had been set aside and, as HMRC didn't contest it (because I didn't owe them the money), this should have been removed from my record.

They weren't able to explain why it still showed on the NLA credit check, but not on my credit reports, but they are resending the information to the credit agencies as, apparently, it can happen whereby the information isn't passed on correctly.

They are also resending me the Certificate of Satisfaction.

So, looks like it'll all be resolved, and I just wanted to post in here, in case anyone has a similar query in the future.