CCJ 8 years ago, Potential employer asking for info

unsurenatewtf · 1 June 2016 at 2:44PM

So I received a CCJ after being overpaid by a previous employer in 2007/08. I've never made any payment plan or been in contact with the company since and they have not chased me for the monies. I'm applying for a new job at the moment and the company asks if I have any CCJ's and if so, what are the repayment plan details. I've done a credit check, which shows no CCJ, but am wondering if they can find out about this CCJ any other way. I'm aware that the company can apply to the court to have the judgement added to my credit file again, but as they have not chased me up to now I am assuming they wont.

Any info/advice much appreciated.

Arleen · 1 June 2016 at 3:26PM

If you have a CCJ against you then I don't understand your question. Is it "is it okay for me to lie to my potential employer becuase it's unlikely that they will find out"? If so then the answer can only be loud and resounding "No, it's not okay. It's actually fraudulent thing to do.".

Brooker_Dave · 1 June 2016 at 3:29PM

If he tells the truth he won't get the job.

Rock, hard place.

None of their business really.

Arleen · 1 June 2016 at 3:31PM

Brooker_Dave wrote: »

If he tells the truth he won't get the job.

Rock, hard place.

None of their business really.

"I am sorry but my personal finances are none of your concern" is also one of the answers he can give. But committing a fraud isn't, and like all lies it has short legs and will eventually surface. Then the consequences can be much more severe than "not getting that job" if you need a practical reason not to lie.

National_Debtline · 1 June 2016 at 3:40PM

Hi

The CCJ will only show on your credit file and the Register of Judgments, Orders and Fines (the court records) for 6 years. There aren’t any other publically searchable records of CCJs.

James
@natdebtline

unsurenatewtf · 1 June 2016 at 3:45PM

If you have a CCJ against you then I don't understand your question. Is it "is it okay for me to lie to my potential employer becuase it's unlikely that they will find out"? If so then the answer can only be loud and resounding "No, it's not okay. It's actually fraudulent thing to do.".

I wasn't asking anyone's moral opinion on whether lying to a potential employer is a good thing or not. I dont think I've ever answered the "Why did you leave your previous role?" questions with anything approaching the thruth. My question is whether they have any other way of finding out the information that I can't seem to find. I've used several credit check sites to find out whether the CCJ is mentioned or not, and can't find anything.

antrobus · 1 June 2016 at 3:47PM

unsurenatewtf wrote: »

.... I'm applying for a new job at the moment and the company asks if I have any CCJ's and if so, what are the repayment plan details. I've done a credit check, which shows no CCJ, but am wondering if they can find out about this CCJ any other way. ....

Details of county court judgments remain on the register for six years from the date of judgment

http://www.trustonline.org.uk/understand-judgments-fines/ccjs-and-county-courts/county-court-judgment-records-how-long-ccjs-stay-on-record

Therefore one would expect that a CCJ from 2008 (or so) would no longer be on the register. And thus the correct answer to the question 'do you have any CCJs' would be 'no'. If they had asked the question 'have you ever had any CCJs' then the 100% honest answer would be different, but if you said 'no', there is no way that anyone could find out.

unsurenatewtf wrote: »

If you have a CCJ against you then I don't understand your question. Is it "is it okay for me to lie to my potential employer becuase it's unlikely that they will find out"? If so then the answer can only be loud and resounding "No, it's not okay. It's actually fraudulent thing to do.".....

The OP has not lied, and I see no fraud.

Arleen · 1 June 2016 at 3:51PM

antrobus wrote: »

The OP has not lied, and I see no fraud.

When he will say to an employeer "No, I have no CCJs" then he will do both. Just because it isn't on your credit report doesn't mean it disappeared altogether, it's just not reported. And making up excuses for it is just that, and nothing else.

I find it quite ironic that on money management, where people often complain about being unfairly treated by banks/lenders, there is support to doing the same to an employer.

antrobus · 1 June 2016 at 3:59PM

Arleen wrote: »

When he will say to an employeer "No, I have no CCJs" then he will do both. Just because it isn't on your credit report doesn't mean it disappeared altogether, it's just not reported. And making up excuses for it is just that, and nothing else.....

If there are no CCJs on the register, then the OP has no CCJs.

!!!!!!, most criminal offences commited in 2008 would now be spent.

Arleen · 1 June 2016 at 4:02PM

antrobus wrote: »

If there are no CCJs on the register, then the OP has no CCJs.

!!!!!!, most criminal offences commited in 2008 would now be spent.

No, then the op has no CCJs on the register, to rephrase your argument from post before. Nothing more, nothing less, and no one asked about his CCJs on record - just CCJs.

molerat · 1 June 2016 at 4:10PM

IMO unless this is for a high level security / financial vetting then the answer is no. To enforce the CCJ after all this time the debt owner would have to return to court and would probably be told where to get off by the judge. Do I have to declare my 3 points from 25 years ago when applying for car insurance, no because although I have them they are no longer on the available records.