CCJ Not Registered

gaslineboy

A debt collection firm took me to county court in June 2018 for an unpaid credit card. I defended on the MCOL website and proceeded to court. I tried to defend in court but they won and the judge advised me I would have 28 days to pay the balance or I would get a CCJ.

I was unable to pay in full, but I came to an arrangement with the debt collection firm to pay £20 per month towards the balance. The court was not involved in setting up this payment arrangement, it was simply done between me and the debt collection company in the weeks after the court case.

To date, no CCJ shows on my credit file, and I checked the trust database yesterday and it shows no judgements against me.

Is there a certain timescale which they have to add this CCJ? Would it not be considered unreasonable or unfair for them to add it, lets say a year after the event? I don't want them to add it in a year or two, meaning I need to wait 8 years for it to drop off my credit file, and ideally I'd like it not to be recorded at all.

Kind regards

Willing2Learn

Are you checking for the CCJ on statutory reports from all three CRAs?

Edit: And welcome to the forum

gaslineboy

I have only checked with Call Credit and Experian - I haven't checked Equifax. My understanding is that it is Trust Online that is the main registry for CCJs and it does not appear on here either.

Willing2Learn

The CRAs will only report what is on the registry. When the CCJ is reported it must be dated correctly. So, in the example you gave, the CCJ would not be showing for 8 years. It can only be for six years from the date of judgement.

gaslineboy

So in theory, they could register the CCJ with Trust next year, but they would date it as such that it was granted in 2018, so would still only be on my credit file for five years?

Is it normal that it hasn't been applied to my credit file yet? Do you think they won't bother now, providing I stick to my payments?

Kind regards

Willing2Learn

Your credit files will only report on what has been registered. If the court has not currently registered the CCJ then the CRAs will not report it either.

Is it normal for CCJs not to be registered? I haven't got a clue. Maybe there is a backlog of CCJs waiting to be registered? Maybe it is an oversight? Maybe there is a valid reason why the CCJ is not on the register?

Whatever way you look at it though, you still owe the money and have agreed to pay by instalments. I would think that if you defaulted on the instalment plan then the CCJ would suddenly appear on the register...and the collections firm would no doubt go down the enforcement route...

gaslineboy

I certainly won't be missing any payments (for £20 a month it really isn't worth the bother). I really don't want the CCJ to affect my ability to get remortgage/move home in the next couple of years.

[Deleted User]

When you check for the CCJ with Trust you need to use the address where the CCJ would be registered against as well

PixelPound

A CCJ is awarded against you, it will be the court that register it, not the debt company. It could well be that there is a backlog with the court which could delay it showing. The court don't bother seeing whether you are paying, not paying, or come to an alternative payment arrangement.

Your arrangement to pay the debt doesn't affect the CCJ. They won't ask for it to be registered if you stopped paying, it already is, they could seek it to be enforced by way of further action like bailiff warrant.

Oldjolly

Did you ever get any more info regarding your Ccj missing from credit report?

I’m in similar position, received letter a year ago stating I ha a ccj against me but no record of it on credit report or court register from government website

Just_Di

gaslineboy wrote: »

county court in June 2018 for an unpaid credit card. I defended on the MCOL website and proceeded to court. I tried to defend in court but they won

I was unable to pay in full, but I came to an arrangement with the debt collection firm to pay £20 per month towards the balance. The court was not involved in setting up this payment arrangement, it was simply done between me and the debt collection company in the weeks after the court case.

To date, no CCJ shows on my credit file

A CCJ which has been obtained at a Trial/Hearing is not registered unless or until further action is taken by either party.

This could be enforcement action such as an Application for an Attachment of Earnings or a Final Charging Order, or a Bailiffs Warrant by the Judgment Creditor (i.e. Claimant) Or it could be an Application to Vary made by the Defendant.

The only CCJs which are automatically registered are Default Judgments and Admissions.

Since you came to a 'private' arrangement to pay (i.e. the Order was not varied) your CCJ will not show on your CRA file or Trust Online unless you break that agreement and the Judgment Creditor (Claimant) returns to court to enforce it.

Di