CCJ's

catkins

My other half has had a CCJ made against him by someone who worked for him for a while. He claims other half owes him money. OH strongly denied this but the Court in their wisdom have decided otherwise.

The thing is we are living in rented accommodation and are in fact moving in 2 weeks to another county. OH says he is not going to notify the Court and reckons they will not bother to try and find him as the plaintiff is an individual and not a company! Is this true does anyone know?

Xbigman

My experience with this is limited but I think the courts don't do much. Its the person you owe the money to that comes after you. If they can find you they simply go back to court. If they are an ex employee then they might well have enough info (tax registration, NI number etc) to trace you without a lot of trouble. If they do find you they can add that to their costs against you.

On the moral side of it, you been to court and lost, now pay up. Just because you don't like what happened is no reason to do a runner.
Regards



X

Eager_Elephant

I don't think it's the court that your OH has to worry about.

It's the effect this may have on his credit rating, a CCJ is a big, big black mark. No financial institutions (bar Capital One or dodgy ones) are gonna want to touch him with a bargepole.

This may be ok if he isn't interested in changing credit card deals or getting a mortgage, if you are moving presumably this is to rented accomadation - a lot of rental agencys credit check so will probably turn you down. What about changing energy supplier, changing bank accounts - this will definitely go against him.

However if you pay this amount within 28 days of the judgement then it will not appear on his credit record at all, however if he pays if after the 28 days days it will mark as satisfied and although he probably still won't be able to get credit it may help a little bit.

The other alternative is to wait 6 years from the date of judgement for it to drop off the credit record and then apply for anything he might need.

Not trying to scare anyone just trying to show it like it is.
However this may not apply especially if you don't have credit cards or are dealing with debt by not taking out further credit.

HTH

catkins

Thanks for your replies. I must say I think we should pay it, it is just a matter of persuading OH. He honestly does not owe the amount claimed (about half of it) but that's not a matter for these boards really.

Thanks again

digp

if you don't owe it, did you contest the case? if not, why not? with a good enough reason, [i.e. if you can show a rsnbl prospect of success] you can apply to set aside judgment in default [if that is what he claimant got].