Register of judgements how long time span ? 22 February at 1:32PM in Credit file & ratings 8 replies 202 views

PEARLSOFWISDOM_2

Hi,
Does anyone know how long if you do a search on the register of judgements it goes back ? 
My brief scenario is approx 2007 to 2014 I used to live in property A, property B 2014 to 2017 and current property since 2017 I haven't been on the electoral roll for over a decade nor have I done a credit search since around 2011,I appreciate that a new credit search will only cover from 2017 hence the problem I need to find out if anything remains from the period around 2010 any help would be greatly appreciated
Thanks

mcpitman

Register with one of the CCA's.
Get the free copy of your credit report.
Assess the credit report.

Ignore any numbers they try and give you "credit score".

CCJ's only stay on credit reports for 6 years.

sourcrates

6 years is the limit public information is kept for, some companies may keep information for longer according to their own internal policies, but the register of judgement only goes back for 6 years, no longer.

PEARLSOFWISDOM_2

Is there anyway I can find out if any c.c.j's were Registered against me between 2010 to 2017 without going to/making contact with original lender ?
Any thoughts would be much appreciated

sourcrates

Doesn't matter how many times you ask the question, the answer will still be the same.

Why do you want to know ?

PEARLSOFWISDOM_2

I want to know because I had a mortgage shortfall around 2009, there's been no contact since I last heard from a company chasing debt 2010, I resided in my main residence until 2013 in other words no attempt to contact me  was made for those 3 years,moved again twice since 2013 each time keeping myself off the electoral roll.
I'm aware any c.c j is enforceable at any point if i have one I just want to establish this potential fact without contacting original mortgage company.

DullGreyGuy

PEARLSOFWISDOM_2 said:

I want to know because I had a mortgage shortfall around 2009, there's been no contact since I last heard from a company chasing debt 2010, I resided in my main residence until 2013 in other words no attempt to contact me  was made for those 3 years,moved again twice since 2013 each time keeping myself off the electoral roll.
I'm aware any c.c j is enforceable at any point if i have one I just want to establish this potential fact without contacting original mortgage company.

For the capital aspect of Mortgages the law of limitations is 12 years not the normal 6 (though that still applies for the interest part).

Whilst a CCJ doesnt get impacted by the law of limitations there is still a 6 year limit on enforcement after which it isnt statute barred but they would need to get a judge's authority to continue to pursue enforcement. They have to explain to the judge why its not been collected to date. 

The official public registers only hold data for 6 years and so going back further than that is going to be hardwork.

sourcrates

Mortgage shortfall debts usually tend to be quite large, and this is why they are not chased that vigorously by companies that buy such debts, especially if the debtor cannot pay.

If 2009 was the last contact you had from them, then its fairly safe to assume the ship has long since sailed on this one, and you won`t hear from them again.

For any enforcement action, they need an address for you, in this day and age its not difficult to trace debtors, so if they wanted to find you, they would have done so by now.

I think your worrying over nothing.

PEARLSOFWISDOM_2

Many thanks for all replies very much appreciated, it's been extremely useful 
Thankyou