Ccj from 2011

Jonquers

My son has jjust been refused credit to buy a car. After checking his credit score, he has found out he got a ccj (in November), for a loan he didn't pay off in 2011. He was given no warning of this and he had forgotten about the loan altogether. He is desperate for a new car, what should he do?

DCFC79

Jonquers wrote: »

My son has jjust been refused credit to buy a car. After checking his credit score, he has found out he got a ccj (in November), for a loan he didn't pay off in 2011. He was given no warning of this and he had forgotten about the loan altogether. He is desperate for a new car, what should he do?

Why did he stop paying the loan ?

GothicStirling

If you signed the finance agreement, do you trust him to keep up the repayments?

welly_59

Has he moved from the address he was at back in 2011? If so then they would have sent papers there and there is not much you can do.

If he pays the full amount of the ccj within 28 days of the judgement date then it will get removed in its entirety. Apart from that he doesn't have any options

MEM62

Jonquers wrote: »

He was given no warning of this

Your son would have been given a number of warnings before the CCJ was issued. There would have been several attempts to collect the money, a final warning prior to legal action and the Court papers themselves.

Jonquers wrote: »

He is desperate for a new car, what should he do?

Start saving for it. Having failed to repay one loan and having a CCJ awarded against him he is not going to have lenders queuing up to offer him additional loans. He has proved to be a bad risk.

Nasqueron

Get a cheap runaround rather than one on finance


CCJ is intended to show other lenders his previous financial problems so they can decide if he's a risk of defaulting

Jonquers

It was a doorstep lender and he moved house. He had tried to contact the lender, but gave up as he was going through a bad time in his life

[Deleted User]

So if he didn’t update the lender with new address details then they will serve the CCJ to the last known address.

It’s not their jobs to chase around after people unfortunately

-taff

Well, he's about to have a bad credit file time for six years unless he pays this now as per post 4

Les79

Seems very strange this one...


I'm by no means an expert, but hopefully someone with more knowledge will pick up the points.


Basically, I believe that it is difficult for debts to be chased after 6 years:


- If the last payment to the company was in 2011 (or there was no payment and this was when the monies were issued) and the CCJ issued in Nov 2018 then there may be good grounds to have the debt statute barred because it is over 6 years old.


- If the last payment was in 2011 and the CCJ issued in Nov 2011 (your post doesn't make that explicitly clear but it doesn't appear to be this case that it was Nov 2011) then the CCJ would have dropped off your son's file by now.


So it just seems a bit odd..... More so because of how long it took for the company to chase the debt??


I think you'd need some legal advice on this one. Either that or just accept that your son has messed up here. A "life lesson" one would say.


Again, this is slightly out of my remit RE: advice so please do your own research on top of my post and assume that it could be wrong.

-taff

The default date is what counts. If he had the loan in 2011 it's likely that he did pay towards it when he first had it which will push the date along. Add to that he didn't update his address and as long as they send to his last known address they can take a CCJ out.


Lucky he applied for credit really otherwise he'd never have known about it and been in a position to hopefully do something about it.