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County Court Judgement
jafsie
Posts: 266 Forumite
A year or so ago due to inadequate, incompetent legal representation my wife lost a CC case, the sum involved was only a £1000 to Leeds City Council which we paid off immediately.
Here is the problem, we would like to have a special holiday (we are both 65) which is expensive, we have the money but we are not sending out cheques for a large sum of money without some kind of protection.
Can we get a credit card or does the CCJ bar us?
Thanks
Here is the problem, we would like to have a special holiday (we are both 65) which is expensive, we have the money but we are not sending out cheques for a large sum of money without some kind of protection.
Can we get a credit card or does the CCJ bar us?
Thanks
0
Comments
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Try you own bank.0
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A CCJ does not bar you from having a CC but the interest rate may be a little higher than the best credit card you can get.
Get your credit report and try applying for cards that are likely to be approved.
If you paid a CCJ off immediately then it shouldn't be on your credit report.:footie:
Regular savers earn 6% interest (HSBC, First Direct, M&S) Loans cost 2.9% per year (Nationwide) = FREE money. 0 -
Just to expand on that a little, if you paid the CCJ in full within 28 days then it should have been removed. It's possible that this didn't happen - in which case get confirmation that you paid it (and when) and send it to the Registry.If you paid a CCJ off immediately then it shouldn't be on your credit report.
Your first step is to get a copy of your credit report and check to see if it appears.Do you not know that a man is not dead while his name is still spoken?
― Sir Terry Pratchett, 1948-20150 -
Angry_Bear wrote: »
Your first step is to get a copy of your credit report and check to see if it appears.
Where do I get this info from Angry Bear?
Thanks0 -
If you have the money you could always get a prepaid credit card. I would try cashplus. You load the money onto the card and it will (I think) offer you the same protection as a credit card. Visa debit cards often carry the Visa guarantee too.
:j :j
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Where do I get this info from Angry Bear?
Thanks
http://www.experian.co.uk/consumer/statutory-report.html0 -
There are 3 credit reference agencies - the link above gets you to one. Experian and Equifax have a £2 "statutory report" - don't pay for any more than that (don't go paying for any "scores" - they're pretty meaningless).
You could use the free trial from Experian or Equifax if you've never used them before - but don't forget to cancel before your free month runs out.
Noddle (https://www.noddle.co.uk/) is always free, but doesn't always contain as much info as the other two.Do you not know that a man is not dead while his name is still spoken?
― Sir Terry Pratchett, 1948-20150 -
My noodle was bang on for information as highlighted a bank that hadn't updated my 6 years was over, all it took was a letter to them (Natwest) and it was sorted within a few days0
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