Insurance refusal by Saga.

pahh

I needed contents and buildings insurance, so called Saga for a quotation. I was astounded to be turned down because of a County Court Judgment which I incurred 40 years ago. Has anyone else experienced this astonishingly ridiculous situation? Despite the fact that I am a respectable and moderately successful businesman, Saga told me that I am considered to be a risk, due to something which happened a lifetime away in my dim and distant past.

rs65

I've known insurers to ask if you have been bankrupt but not ask about CCJs.

Smithers37

It's not ridiculous; they don't want to insure someone with a CCJ, that's their choice. Find a insurer that will quote you with a CCJ.

dunstonh

it is unusual to fail due to a CCJ unless its a larger monthly premium. Shouldn't have an impact on an annual premium.

How long ago was the CCJ really? It obviously wasnt 40 years ago.

Sally_A

We had the case of one chap that had a CCJ slapped on him by a double glazing co - he refused to pay their bill fully until the draughty windows were sorted out. As he was a sole trader of a business, this showed up against him on the insurers credit check.


But due to the understandable reason, we got insurance and instalments passed.


A good reason goes a long way with insurers, unfortunately not when you deal with "tick box" companies.

pahh

I would like to assure dunstonh that it was in the late 1970's.

PasturesNew

Seems crazy to go back so far. It could have been for anything ..... a simple/small bill overlooked or disputed. Probably for £20....

Buzby

Don't see how it is possible. A CCJ is recorded by the court, and passed to Registry Trust, who link it to your ID via your DoB. Under the DPA, this will not be viewable after 6 years. I don't believe a 40yo CCJ would be listed.

There's something amiss, and if RT are showing a judgement from 1974, then this needs to be challenged.

bryanb

Buzby wrote: »

Don't see how it is possible. A CCJ is recorded by the court, and passed to Registry Trust, who link it to your ID via your DoB. Under the DPA, this will not be viewable after 6 years. I don't believe a 40yo CCJ would be listed.

There's something amiss, and if RT are showing a judgement from 1974, then this needs to be challenged.

Maybe they asked him and he declared it.

dunstonh

pahh wrote: »

I would like to assure dunstonh that it was in the late 1970's.

CCJs stay on the register of judgements, orders and fines for 6 years.

So, why hasnt yours dropped off?

agrinnall

pahh wrote: »

I would like to assure dunstonh that it was in the late 1970's.

The late 1970s is not 40 years ago.