ccj and reabilitation of offenders act

[Deleted User]

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.

The question isn't about a debt being paid. If you default or have a CCJ, a company can keep a record of that if they don't want to lend to you again. You can ask for it to be removed but they don't have to - it's a legitimate reason. 

Yahoo_Mail

twhitehousescat said:

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 

I wasn't stating it as a fact, but there's likely a reason why they ask information about personal finances that otherwise are irrelevant to the service being offered, right?  They don't ask for the good of their health.

There are all sort of factors that increase or decrease your likelihood of making a claim. Just because you don't like it, doesn't make it untrue.

Also just to put that scenario in a different light. A person doesn't read signs (or does and doesn't care), parks where they shouldn't, possibly shows equal disregard when driving?  Hence perhaps, people who end up with parking tickets, and especially those that go as far as CCJ might be statistically more likely to make a claim or be in an accident.

Or how people who are in accidents (through no fault of their own) pay higher premiums even though they didn't cause it, because people who are in accidents are statistically more likely to be in further accidents?

Insurers have access to vast quantities of data on this and if they're asking the question, it's almost certainly relevant to their likelihood of claiming or being in an accident.

twhitehousescat

Yahoo_Mail said:

twhitehousescat said:

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 

I wasn't stating it as a fact, but there's likely a reason why they ask information about personal finances that otherwise are irrelevant to the service being offered, right?  They don't ask for the good of their health.

There are all sort of factors that increase or decrease your likelihood of making a claim. Just because you don't like it, doesn't make it untrue.

I wasn't stating it as a fact,

umm you stated "A legitimate reason being that people with CCJ's are statistically more likely to make claims "

or did i misread that 
 that people with CCJ's are statistically more likely to make claims "

nope I read it correctly , was that az fact or a flying elephant ? 

Yahoo_Mail

twhitehousescat said:

Yahoo_Mail said:

twhitehousescat said:

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 

I wasn't stating it as a fact, but there's likely a reason why they ask information about personal finances that otherwise are irrelevant to the service being offered, right?  They don't ask for the good of their health.

There are all sort of factors that increase or decrease your likelihood of making a claim. Just because you don't like it, doesn't make it untrue.

I wasn't stating it as a fact,

umm you stated "A legitimate reason being that people with CCJ's are statistically more likely to make claims "

or did i misread that 
 that people with CCJ's are statistically more likely to make claims "

nope I read it correctly , was that az fact or a flying elephant ? 

You misread it, there was a "?" at the end that you conveniently missed off.

twhitehousescat

Yahoo_Mail said:

twhitehousescat said:

Yahoo_Mail said:

twhitehousescat said:

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 

I wasn't stating it as a fact, but there's likely a reason why they ask information about personal finances that otherwise are irrelevant to the service being offered, right?  They don't ask for the good of their health.

There are all sort of factors that increase or decrease your likelihood of making a claim. Just because you don't like it, doesn't make it untrue.

I wasn't stating it as a fact,

umm you stated "A legitimate reason being that people with CCJ's are statistically more likely to make claims "

or did i misread that 
 that people with CCJ's are statistically more likely to make claims "

nope I read it correctly , was that az fact or a flying elephant ? 

You misread it, there was a "?" at the end that you conveniently missed off.

yes lets get the ? into contexct 
and therefore they want to know about any historical CCJ's in case it "slips their mind"?

now i suspect it was actually in referance to "slips their mind"?

what the hell , topic fully changed now ,,, move along nothing to see 

Yahoo_Mail

twhitehousescat said:

Yahoo_Mail said:

twhitehousescat said:

Yahoo_Mail said:

twhitehousescat said:

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 

I wasn't stating it as a fact, but there's likely a reason why they ask information about personal finances that otherwise are irrelevant to the service being offered, right?  They don't ask for the good of their health.

There are all sort of factors that increase or decrease your likelihood of making a claim. Just because you don't like it, doesn't make it untrue.

I wasn't stating it as a fact,

umm you stated "A legitimate reason being that people with CCJ's are statistically more likely to make claims "

or did i misread that 
 that people with CCJ's are statistically more likely to make claims "

nope I read it correctly , was that az fact or a flying elephant ? 

You misread it, there was a "?" at the end that you conveniently missed off.

yes lets get the ? into contexct 
and therefore they want to know about any historical CCJ's in case it "slips their mind"?

now i suspect it was actually in referance to "slips their mind"?

what the hell , topic fully changed now ,,, move along nothing to see 

No, I was positing a potential reason why they could retain the data, maybe because it having a CCJ makes them statistically more likely to make a claim?

I'm not bothering dancing around the subject anymore with you though so I'll just say it.  If they're asking about this sort of stuff I'll put money on it that it affects the likelihood of you making a claim or being in an accident.  They wouldn't ask it otherwise.

And if you don't like that, tough. Enjoy the increased premiums!