ccj and reabilitation of offenders act

twhitehousescat

regarding car and house insurance , "have you ever been declaired banctupt (etc etc) or had a ccj 
1: ccj in what time period? 
2: HAD as in had , untill you realised you had a default one from the likes of a private patking co and aplied for a setaside 

in insurance terms does a setaside top "had"

unforeseen

They are not criminal so rehabilitation of offenders act has no bearing

twhitehousescat

yup thought that , coz civil court , so how long does "have you ever had"  mean , yes i know exponged from records after 6 yrs , but if you fill in YES , truthfully in first 6 yrs , your data can be passed to other insurance cos and be logged even when 6 yrs to 20 yrs , hell forever 

Yahoo_Mail

twhitehousescat said:

yup thought that , coz civil court , so how long does "have you ever had"  mean , yes i know exponged from records after 6 yrs , but if you fill in YES , truthfully in first 6 yrs , your data can be passed to other insurance cos and be logged even when 6 yrs to 20 yrs , hell forever 

It means exactly what it says, ever.

twhitehousescat

so "ever" would apply if a company got a default ccj though fault of court or dvla 
even if a setaside was granted , taking your view of "ever" 

[Deleted User]

twhitehousescat said:

so "ever" would apply if a company got a default ccj though fault of court or dvla 
even if a setaside was granted , taking your view of "ever" 

If it was set aside, you wouldn't have one any more. The question is simple to answer though. If a firm asks if you if have EVER had one, and you have, then you should answer yes. Whether they can check if it's over 6 years ago is not really the point. 
For some job security checks they can go back way past 6 years and the answers are about you being honest and not really to do with getting a CCJ.
Note that some companies do keep their own records, so even though a CCJ might not show on the register, it could still show in a firms records if you had an account with them. 

phillw

camelot1971 said:
Whether they can check if it's over 6 years ago is not really the point. 

 

I'm not sure exactly what details insurance companies share with each other, but if you've ever told any of them about a ccj then it's probably a good idea to keep telling them.
Importantly though the issue might not come up until you claim, https://www.saleinsurance.co.uk/failure-disclose-insurance.aspx
They'll happily accept the premiums and not disclose if they aware of the non disclosure.
Their argument in this case would be that the risk of fire was greater as the person who got the ccj may have been tempted to burn down the hotel.

PixelPound

camelot1971 said:

twhitehousescat said:

so "ever" would apply if a company got a default ccj though fault of court or dvla 
even if a setaside was granted , taking your view of "ever" 

If it was set aside, you wouldn't have one any more. The question is simple to answer though. If a firm asks if you if have EVER had one, and you have, then you should answer yes. Whether they can check if it's over 6 years ago is not really the point. 
For some job security checks they can go back way past 6 years and the answers are about you being honest and not really to do with getting a CCJ.
Note that some companies do keep their own records, so even though a CCJ might not show on the register, it could still show in a firms records if you had an account with them. 

If an account is closed and the debt paid then you can request it purged under GDPR. If there is still a debt they can refuse.
They can only keep the data if there is a legitimate reason, and can face fines if shown to not abiding by GDPR. In fact you will find now that many companies purge information automatically.

Yahoo_Mail

nic_c said:

camelot1971 said:

twhitehousescat said:

so "ever" would apply if a company got a default ccj though fault of court or dvla 
even if a setaside was granted , taking your view of "ever" 

If it was set aside, you wouldn't have one any more. The question is simple to answer though. If a firm asks if you if have EVER had one, and you have, then you should answer yes. Whether they can check if it's over 6 years ago is not really the point. 
For some job security checks they can go back way past 6 years and the answers are about you being honest and not really to do with getting a CCJ.
Note that some companies do keep their own records, so even though a CCJ might not show on the register, it could still show in a firms records if you had an account with them. 

If an account is closed and the debt paid then you can request it purged under GDPR. If there is still a debt they can refuse.
They can only keep the data if there is a legitimate reason, and can face fines if shown to not abiding by GDPR. In fact you will find now that many companies purge information automatically.

A legitimate reason being that people with CCJ's are statistically more likely to make claims and therefore they want to know about any historical CCJ's in case it "slips their mind"?

Even if they did remove it, you're still obliged to answer the question truthfully, and the ultimate cost of failing to do this could be very steep indeed.

twhitehousescat

Yahoo_Mail said:

nic_c said:

camelot1971 said:

twhitehousescat said:

so "ever" would apply if a company got a default ccj though fault of court or dvla 
even if a setaside was granted , taking your view of "ever" 

If it was set aside, you wouldn't have one any more. The question is simple to answer though. If a firm asks if you if have EVER had one, and you have, then you should answer yes. Whether they can check if it's over 6 years ago is not really the point. 
For some job security checks they can go back way past 6 years and the answers are about you being honest and not really to do with getting a CCJ.
Note that some companies do keep their own records, so even though a CCJ might not show on the register, it could still show in a firms records if you had an account with them. 

If an account is closed and the debt paid then you can request it purged under GDPR. If there is still a debt they can refuse.
They can only keep the data if there is a legitimate reason, and can face fines if shown to not abiding by GDPR. In fact you will find now that many companies purge information automatically.

A legitimate reason being that people with CCJ's are statistically more likely to make claims and therefore they want to know about any historical CCJ's in case it "slips their mind"?

Even if they did remove it, you're still obliged to answer the question truthfully, and the ultimate cost of failing to do this could be very steep indeed.

yes , being given a default ccj by a private patrking co , who have 6 yrs to bring a claim , yet can only ask the DVLA once for info , and OFTEN do not use tracing**  , well this can change a persons life , hec k they will now make multiple claims on insurance , turn to drink and drugs ........................

A legitimate reason being that people with CCJ's are statistically more likely to make claims
what a load of crock , did you just make that up / 

** dont use trace as its a form of credit clampimng that Mrs May said she was going to stop - but never did , where a company inflates the charges , sends to old/wrong address then holds person to ransom , non contested setaside if you pay full ccj costs 

twhitehousescat

default CCJ ,,,,,,,,,,,, 20 a day on parking ticket forum , like this https://forums.moneysavingexpert.com/discussion/6215807/ccj-looking-for-consent-or-set-aside#latest

company not traced person , just gone right in £185 for a £100 ticket with no paperwork 

this person (according to yahoo mail) will now be  statistically more likely to make insurance claims

what a load of tosh