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The phantom CCJ
daytona0
Posts: 2,358 Forumite
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Hi,
The CCJ, if it exists, will be shown in the "public information" section on your credit file.
How do you know a CCJ has been issued against you ?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
My guess is that the ccj was issued before September 2009 and, being more than 6 years old, no longer appears anywhere except in the records of the court that issued it, and whoever owns the debt now.
CRAs and Registry Trust searches will not show it. If you want to declare 'no ccj' then in practice no-one will be able to show otherwise.
Of course, if there is a debt outstanding and owned by some organisation somewhere, and they are looking for you, then linking your addresses through the CRAs may mean they can now get in touch with you.0 -
If paid within one month, the entry on the register of judgements and fines would be 'cancelled'.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0
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