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ccj and reabilitation of offenders act
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twhitehousescat
Posts: 5,368 Forumite

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"
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"
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Comments
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They are not criminal so rehabilitation of offenders act has no bearing0
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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
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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 forever1
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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"0 -
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"
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.0 -
camelot1971 said:
Whether they can check if it's over 6 years ago is not really the point.
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.
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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"
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.
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.0 -
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"
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.
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.
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.1 -
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"
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.
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.
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.
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 costs0 -
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
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