Does a CCJ affect existing mortgage, loans and credit cards?

bitworried

jon_boy75 wrote: »

most of your existing lenders will do periodic 'soft' credit checks on you to assess you for their own product range and the limits they've given you.

based on the results of that check, they could either offer you more products, lower APRs etc, or review your existing products with them.

so they could feasibly ask you to reduce your overdraft or credit card balances, based on the fact you're considered more of a risk to them, in light of the (maybe, possibly in the future) new CCJ

I do often receive offers of balance transfers and all that kind of thing so it could be they have some kind of way of seeing how good or bad a risk they are. As long as the mortgage is alright if it's left on SVR that's fine, I'm not bothered about the credit card companies wanting the money back, I'd be surprised if they do though. Thanks for your help.