CCJ - 5 years in

enook77

Hello all,

Long story short...I got a CCJ from a private parking company in Feb 2014. Dont ask.

The CCJ was for £145 in total.

Luckily I already had a couple of credit cards with decent limits to use if I desperately needed credit as I wasn't planning on applying for any new credit until the CCJ had dropped off my file but 6 years is a bloody long time.

However, I noticed about 1 and a half ago my credit file had improved somewhat so I decided to test the water. I used the eligibility checker and to my amazement a MBNA credit card came up as 100% eligible.

So I applied and got a 5k limit on this new card with a 0% period that takes me past the CCJ drop off point (Feb 2020) with enough credit to cover me.

My credit file has since returned to a fair/poor average.

Was I just lucky with the timing of this application or was it due to enough time had passed, or the amount owed on the CCJ was so low. I just can't work it out.

But to the future....once it drops off my file completely....do I ever have to declare it again? And should my credit files return to normal literally when all the files are updated?

This has been the only blemish so far and the bloody most annoying one at that. The CCJ basically tells everyone I cant afford to pay back £145, quivalent to a monthly council tax bill.....It has been an absolute bloody nightmare!!!

Thanks

E.

System

Once they're no longer on your file you don't have to declare them. We have a thing in UK law called the Statute of Limitations and once something has reached the age covered by that statute it effectively doesn't exist. Most things are 6 years however some can be at least double that and others in perpetuity. CCJs are 6 years, debts are 6 years after date of last acknowledgment.

CakeCrusader

It depends on your job. If you're working in the legal services (solicitor etc) then you have to declare them to the SRA no matter how old they are, I've no idea if this applies to financial services. I have one which is due to drop off in October. I have a few credit cards, my credit file is clean and well managed yet my score is 'very poor' and I'm usually offered high APR cards. I'm not sure how I managed to get a HSBC BT card, I think the card providers change their target market every now and again so maybe we just got lucky.

StokieBecks

Did you pay the ccj? A settled status would look better to potential lenders which may be why you were lucky with your credit card offer

If it hasn't been paid - remember even after the 6 years is up and it drops off your file they can still chase for it - it does not become statute barrred once a ccj has been issued (although I do think they have to apply to court to chase after 6 years and give good reason why they haven't enforced in previous six years which for £145 they may not bother)

enook77

Yeah I paid it off in August 2014 which is when I first realised.

John_G_Jones

Tarambor wrote: »

Once they're no longer on your file you don't have to declare them. We have a thing in UK law called the Statute of Limitations and once something has reached the age covered by that statute it effectively doesn't exist. Most things are 6 years however some can be at least double that and others in perpetuity. CCJs are 6 years, debts are 6 years after date of last acknowledgment.

There’s a lot of nonsense posted on this forum, but this post has to be one of the worst.

If you are entering into a contract and are asked if you have ever had a CCJ then of course you have to be honest and say that you had one.

Tarambor seems confused, possibly between what can be pursued through the courts, and what really happened.

I had a friend recently lose his career in banking because he chose not to disclose a caution he had formshoplifting as a young teenager. The caution was given over twenty years ago but the lie was in the present day so he failed the fitness and propriety test and will never be able to work in banking for the rest of his life because of the dishonesty.

Windbag66

John_G_Jones wrote: »

There’s a lot of nonsense posted on this forum

I had a friend recently lose his career in banking because he chose not to disclose a caution he had formshoplifting as a young teenager. The caution was given over twenty years ago but the lie was in the present day so he failed the fitness and propriety test and will never be able to work in banking for the rest of his life because of the dishonesty.

Yes there is, mostly from you....

Different scenario altogether, a police caution stays on record forever, a county court judgement only shows for 6 years, and leaves no footprints.

Once the 6 years are up, show me where in legislation it states that CCJ must be declared forever ?

Gaz83

John_G_Jones wrote: »

There’s a lot of nonsense posted on this forum, but this post has to be one of the worst.

Didn't you tell folk yesterday to look into Wonga for payday loans?

enook77

So what I take from these previous comments are -

After the 6 years is up you don't have to declare you ever had a CCJ because after 6 there is no way anyone can ever prove it exsisted (because technically it doesn't).

Maybe if you work/want to work in finance but again on the credit check the bank runs if it has dropped off...how would they ever know?

Like you say its not like a criminal record.

Am I correct?

E.

[Deleted User]

enook77 wrote: »

After the 6 years is up you don't have to declare you ever had a CCJ because after 6 there is no way anyone can ever prove it exsisted (because technically it doesn't).

Not quite. The CCJ only falls of your CRA files. It can - and very often will - be kept by the lender.

If you do choose to lie, you may face problems should you apply to a lender who has access to that, via mergers, sales and so on.

enook77

By 'Lender' are you referring to the private parking company?

This CCJ was not the result of a phone bill, credit card, utility bill, etc.

E.