Unexpected CCJ.

altin_2

Hi.
Have a credit check(moving property) and to my surprise have a CCJ on my name at a previous address.
After investigation found out that it was a outstanding rent of some FRIEND I become guarantor(about 8 years ago).

Do I have any option now (apart from paying)?

Soph86_2

As far as I'm aware, if you're a guarantor for credit then you are liable for the debt if they don't pay - that's the idea of a guarantor. I'm sure someone qualified will come along soon though and let you know for definate!

The CCJ will stay on your credit report for 6 years from the date of default, and become stature barred after 6 years of no contact.

RAS

Hi

if you did not get notice of the court case, you MAY be able to get the CCJ overturned - see the NDL web-site for details of how to do this.

Do please go over to the housing and renting forum because there has been recent advice about guarantors, which suggests that what matters is the type of document that you signed with the LL or LA. Unless it was a deed, you may well be able to defend any case they take once the CCJ is reversed.

altin_2

see the NDL web-site for details

Anyone in particular? Google gives a wide sites.

Thanks for help.

mjm3346

Soph86 wrote: »

The CCJ will stay on your credit report for 6 years from the date of default, and become stature barred after 6 years of no contact.

A CCJ does not become statute barred, just requires an ok from the court to continue with it.

Soph86_2

mjm3346 wrote: »

A CCJ does not become statute barred, just requires an ok from the court to continue with it.

Ooohhh, I didn't realise this! Thanks for correcting!

Tixy

National debtline website http://www.nationaldebtline.co.uk/

Highly unlikely you'll be able to do much about this. You could get a copy of the judgement from the court that issued it to check the amounts claimed etc.

Did you live at the same address you gave on the guarantor form on the date the CCJ was granted? If you did then you should have received court papers, did you and did you complete them?
If you didn't live at the same address then unfortunately as you didn't keep them informed of your current address they are allowed to issue court papers to your last known address.

altin_2

Did you live at the same address you gave on the guarantor form on the date the CCJ was granted? If you did then you should have received court papers, did you and did you complete them?
If you didn't live at the same address then unfortunately as you didn't keep them informed of your current address they are allowed to issue court papers to your last known address.

That's bad.
I have moved to different address when CCJ was issued.
Thanks for the link.

altin_2

Did I understood it wrong?
Even if you pay full amount, you still can't clear your name from CCJ???

Tixy

If you pay off the CCJ then you no longer owe the money - you can get the entry on your credit file marked as a satisfied CCJ - but it stays on your credit file for 6years from the date of the CCJ.

altin_2

So I CAN'T rent a property for the next 6 years of CCJ(1 year left).
We desperately want to move ASAP.