Service which stops a ccj appearing on your credit file?

Ccjquestioms

Hi guys this is just a bit of market research. I am not looking for weather people think this works, or any other aspect of it (it does work as tried and tested) ,more to suggest wheather it's viable or has as much life as a dead duck.

If a company provided a service which stopped a ccj appearing on your credit file would you use it (once you had been issued a claim form)

I don't mind what people think, any feedback is appreciated

poppasmurf_bewdley

Ccjquestioms wrote: »

Hi guys this is just a bit of market research. I am not looking for weather people think this works, or any other aspect of it (it does work as tried and tested) ,more to suggest wheather it's viable or has as much life as a dead duck.

If a company provided a service which stopped a ccj appearing on your credit file would you use it (once you had been issued a claim form)

I don't mind what people think, any feedback is appreciated

There already is one. You just pay the CCJ off before it's registered.

Simple.

sourcrates

poppasmurf_bewdley wrote: »

There already is one. You just pay the CCJ off before it's registered.

Simple.

Because anything else would be illegal wouldn't it !!!

tealady

Three questions I would ask myself
1) How much is this company charging me
2) Is it legal
3) Does a CCJ appear in the public domain where ANYONE can look up the information.

If the answer to the last question is "Yes" then I would feel it is a waste of money.
I don't know how a CCJ works tbh so would want to know the answers to the above before I threw away my hard earned money.

Then I would

rubyjam

1. CCJ's don't just appear on Credit Files.

2. I doubt the County Court who issued the CCJ would be quite to happy to oblige.

National_Debtline

Essentially the two ways of preventing a CCJ appearing on one's file are:


1. Paying it off sufficiently promptly, as stated above i.e. within one month of the judgment.


2. Challenging it, if there are valid grounds for a defence/counterclaim.


Unless the County Court Rules are rewritten, no new product or service will add to, subtract from or replace any of the options in the above list.


Dennis
@natdebtline

theoretica

I do wonder about the business model of enterprises which seek to make money from people who already demonstrably haven't paid what they owe.

sourcrates

theoretica wrote: »

I do wonder about the business model of enterprises which seek to make money from people who already demonstrably haven't paid what they owe.

Exceptionally well made point !!!!!!

[Deleted User]

Ccjquestioms wrote: »

I am not looking for weather people

That's a shame. Michael Fish is available if you need him.

Ccjquestions

National_Debtline wrote: »

Essentially the two ways of preventing a CCJ appearing on one's file are:


1. Paying it off sufficiently promptly, as stated above i.e. within one month of the judgment.


2. Challenging it, if there are valid grounds for a defence/counterclaim.


Unless the County Court Rules are rewritten, no new product or service will add to, subtract from or replace any of the options in the above list.


Dennis
@natdebtline

Dennis

Thank you for your reply, but i have to say you are completely wrong and i know this for a fact through stumbling accross this technique whilst running a previous business.

Essentially when someone receives a CCJ claim form (Money Claim online ones, not the Manchester bulk centre (paper ones) the person has the option of selecting an address for service of documents other then the address on the claim form.

If this is selected this means that:

1. The AQ is sent to the service address.
2. Any further directions from the court are sent to the service address.
3. If judgement is made this is sent to the service address.

Therefore since the CCJ is at an alternative address and this address has no "credit" links to the original address then the CCJ is NOT on that persons credit file. No linked addresses on Experian etc.

How do i know this has worked?

10 CCJs dealt with using a service address. Each one resulted in a CCJ at an address other then the address of the original claim form.
Credit files checked and no ccjs at the original addresses. Trust online also confirmed this to be the case.

Perfectly legal.

elsien

And how many people have an alternative address? The only ones I can think of would involve friends and family addresses, and I cannot see any of them agreeing even if I were inconsiderate enough to ask.