loan with CCJ

stacey1405

hello, is it really possible to get a loan when you have a CCJ.

I have a CCJ, which has been satisfied since 2009, i will have it on my record until 2014 I've been looking on the internet for loans with CCJs but i have not applied for any as i've done my research and realised that a lot of them are either brokers and not lenders or scams.

Are there really any lenders who will give you a loan that aren't dodgy?

thanks

CLAPTON

in general no, if you have a CCJ on your report even if satisified then you can't get a loan at the reasonable rate
however, maybe you bank might lend you money as they may have an internal score for you

stacey1405

i've had a look and i have a good scoring because i never miss a payment anymore, its just that bloody CCJ! My partner has excellent credit rating but we have a joint account and ive heard that will go against us too.

Think i may try my bank.
Thank you, you've been a great help

CornishWildFlower

Hi,

I have an aged default on file and recently tried my bank for a small loan, even though my internal score was fine apparently it was still a no when run through the system.

Worth a go but don't get your hopes up.

KingElvis

If you bank with LLoyds TSB it will 100% automatically be a decline.