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Historic CCJ
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shoples
Posts: 4 Newbie
Some years ago my finances were in a bit of a mess.
From this time I have a CCJ on my credit file. It was registered in July 2012. I have contacted the court and found out that the claimant is United Utilities.
I still have an account with United Utilities and they are not chasing me for outstanding payments. Therefore am I safe to assume that the CCJ has been satisfied? Or should I contact United Utilities before applying to the court for a Certificate of Satisfaction?
From this time I have a CCJ on my credit file. It was registered in July 2012. I have contacted the court and found out that the claimant is United Utilities.
I still have an account with United Utilities and they are not chasing me for outstanding payments. Therefore am I safe to assume that the CCJ has been satisfied? Or should I contact United Utilities before applying to the court for a Certificate of Satisfaction?
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Comments
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Do you need a certificate of satisfaction?
If not may be worth waiting until next year for it to drop off, they could re register it but that is probably unlikely when they haven't bothered chasing you so far0 -
I have a mortgage offer that is dependent on the CCJ being satisfied.0
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Ah okay.
If I was you I would contact the company if anything just to expedite the process as fast as possible. At least then you know fully before you approach the court.
Is it a Decision In Principle or a full application?
Wishing you all the best - good luck hope it works out
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It's a remortgage on a rental property. I've got the DIP. The application has been approved subject to the CCJ being satisfied.0
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Get in touch with the creditor, see what they have to say.
The problem you may have is them locating your old account after all this time.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 -
It should say on your credit report whether it's been satisfied so you shouldn't need a certificate, Noddle lets you know.0
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