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CCJ After mortgage offer help!!!

So we received our mortgage offer a couple of weeks ago and are just waiting for the searches etc on the the house.  And I have just received a ccj with no other warnings.  I have paid it in full and will dispute it after as there was no warning for it, they said it’ll be removed from my credit file if paid with in the month.  What are the chances of the mortgage lender doing another credit search on me in the time it takes to filter through the systems and be removed?  Will our offer be withdrawn? 

Comments

  • ACG
    ACG Posts: 24,622 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Who is the lender? 
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • Ccrc
    Ccrc Posts: 10 Forumite
    First Post
    Platform (the coop bank)
  • ACG
    ACG Posts: 24,622 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Sorry, I dont know the answer. 
    I think if you have had your offer issued you should be fine, but dont hold me to it. 
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • Xxadele92xx
    Xxadele92xx Posts: 32 Forumite
    Fifth Anniversary 10 Posts
    This happened to me. I cleared it and the CCJ did disappear. They won’t do another check 
  • Carl2510
    Carl2510 Posts: 535 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    How does a CCJ appear without any warnings you must know what it’s about?
  • Ccrc
    Ccrc Posts: 10 Forumite
    First Post
    It was a parking charge from 2017, not like defaulted account or anything. I only knew because I check my credit file and seen as soon as it went on, I had to call loads of people just to find out what it was for.  Still received nothing in the post, they are looking into why.  Just my luck that it would happen now whilst trying to buy our first home.  
  • Ccrc
    Ccrc Posts: 10 Forumite
    First Post

    This happened to me. I cleared it and the CCJ did disappear. They won’t do another check 
    How long did it take to disappear, did you do anything to speed it up 
  • JJG1984
    JJG1984 Posts: 46 Forumite
    Second Anniversary 10 Posts
    Same happened to me and it was off my report within 4 weeks 
  • Ccrc
    Ccrc Posts: 10 Forumite
    First Post
    All sorted I rang Experian and they pushed it through to get it removed straight away, didn’t have to wait a month, they were extremely helpful.  And it’s already off my transunuion report. 
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