ccj company gone into liquidation

beck25

At the weekend I did a credit check and found out I have a ccj outstanding from 08, I have traced the company right back to a company called amber solutions which seems to have been a car insurance lender (I always pay monthly)
But it seems that they have gone into liquidation, or isnt trading anymore.

Now what do I do??
I need this gone or settled asap as wanting to rent property and this may /most prob hinder chances greatly

Any advice would be welcome

Thrugelmir

beck25 wrote: »

I need this gone or settled asap as wanting to rent property and this may /most prob hinder chances greatly

The damage to your credit history is already done.

DevCoder

You wont get rid of it, the best you can do is settle it. You can find out who the receivers / administrators of the company were and approach them.

michael1983l

It drops off your file in 1 year. You could be economical with the truth and forget that you checked your credit file and in one years time make an application totally forgetting that you ever had a CCJ.

Thrugelmir

michael1983l wrote: »

It drops off your file in 1 year. You could be economical with the truth and forget that you checked your credit file and in one years time make an application totally forgetting that you ever had a CCJ.

Never wise to lie about something so serious.

beck25

krisdorey wrote: »

You wont get rid of it, the best you can do is settle it. You can find out who the receivers / administrators of the company were and approach them.

I have found more information about them going into administration and now the company has been dissolved. .

How can I find the administrator are ?

michael1983l

Thrugelmir wrote: »

Never wise to lie about something so serious.

He only knew because he checked his credit file. So obviously this has been issued in his abscence.

beck25

Ahem she** but yes it will be gone in a year but at thejage of 26 living with my parents isnt any fun and there are no private rentals were I live ...

michael1983l

beck25 wrote: »

Ahem she** but yes it will be gone in a year but at thejage of 26 living with my parents isnt any fun and there are no private rentals were I live ...

Sorry pardon my assumption, thats the thing with internet forums.

I appreciate that living with your parents isn't ideal, but it is cheap and there is still no guarantee you will get credit with a CCJ on your file even if it is satisfied. At least not a mortgage anyway because they look back the full 6 years in most cases, but a landlord rental credit check you will probably be fine.

poppasmurf_bewdley

Not all private landlords do a credit check, especially those who don't use a Letting Agency Service.

beck25

Im looking at rentals and there are no private properties around.., the OH has never been in debt so it maybe our saving grace