Tomlin order

HonmaDP

Have a Tomlin order since Jan 18 that I haven’t paid anything towards.

Does this have the old 6 year carry on?

CakeCrusader

A Tomlin order's an arrangement to pay, if you don't pay it the order will convert to a CCJ. These don't become statute barred, so the creditor can still enforce the CCJ, the 6 year limit doesn't apply here as they have already taken you to court. Have you checked your credit files to see a CCJ is showing on all three?

HonmaDP

Hi CC

Nothing is showing on any credit files.

Do you think they have forgotten about it? Thought they would write to me.

CakeCrusader

HonmaDP wrote: »

Hi CC

Nothing is showing on any credit files.

Do you think they have forgotten about it? Thought they would write to me.

It's highly unlikely that they would have forgotten about it to be honest. Not all CCJ's show on a credit file, it may be best to give the court a call.

HonmaDP

Thank you CC

I surprised that not all CCJ show on credit files.

I thought they were a true reflection of where you are financially.

CakeCrusader

HonmaDP wrote: »

Thank you CC

I surprised that not all CCJ show on credit files.

I thought they were a true reflection of where you are financially.

Kind of, but there's a fair few that don't show, like a CCJ for council tax. They are still enforceable though.

CIS

Kind of, but there's a fair few that don't show, like a CCJ for council tax. They are still enforceable though.

Council Tax isn't via a CCJ, it's a liability order via the Magistrate' Court so they don't appear on credit records. I do agree though that not all CCJs seem to show up.

fatbelly

If a ccj isn't showing it's possible that you haven't given the CRA the address where the judgement was obtained.

Having said that, it does seem that sometimes a ccj just doesn't show up and there's no obvious reason for it.

sourcrates

fatbelly wrote: »

Having said that, it does seem that sometimes a ccj just doesn't show up and there's no obvious reason for it.

If it was awared because of failure to pay rent, to a private landlord, it will only show on the register and/or credit files, if the landlord specifically requests this.

HonmaDP

It’s from a debt company who purchased an old defaulted credit card debt.

WhenIam64

What is the value of the debt you have agreed to pay through this Tomlin order?

Seems an odd thing to do, to agree a course of action with a judge/court, then go back on the agreement.

You can go back to court and ask for the payment plan to be reconsidered in the light of a change of circumstances. Best wait until the sun tan fades before you do though.