Found out about historic CCJ

Noraw10

Hello,

I recently applied for an investment savings account, and was told that during checks the company have found a CCJ against my name from 2018. I've had a mortgage in the last 2 years and this never came up, and have also had various other credit applied for successfully.

I asked for more information from the company, and they have provided my name (all be it maiden) and an address I used to live at where the CCJ is, which is from 2018 and for £279.

I was completely unaware of this, and it hasn't shown up on Experian or Equifax. 

I don't know what to do, whether to ignore it or find out more information. If I went digging, would the debtors be likely to chase it? Where can I get more information from?

I genuinely don't know what the CCJ is for. I didn't live at the address for long and barely had any bills or accounts registered there.

Thank you for reading. Any advice appreciated.

Casskale

You can ask the court that issued the CCJ for more information.  That won't set off any tripwires as far as the creditor is concerned, but I suspect if they really wanted to find you they'd have little trouble. You've obviously not gone out of your way to fly below the radar.

sourcrates

If they haven’t bothered in the last 5 years, I doubt they’ll be bothered now.

Another year it will be off the register for good.

It will likely be a parking ticket, they enjoy going to court, and obtaining a CCJ, but they are never chased.

Renegadecrab

Good morning, sorry to jump on your post but I’m in a very similar situation. My last contact was 5 years ago and I was challenging it, credit checking had a CCJ for £266 which I can pay but I still argue the validity of the parking ticket.

anyway, the claimant who I have got the details for now say they will not object the CCJ being removed if the payment is made. Does anyone have any experience of whether this carries any weight to the court should I pay, get the above in writing and then apply for a set aside with agreement from the claimant?

thank you in advance, we are about to move for schools so removing it is my priority even though it is less than a year till it falls off.

kind regards

Lee

sourcrates

Renegadecrab said:

Good morning, sorry to jump on your post but I’m in a very similar situation. My last contact was 5 years ago and I was challenging it, credit checking had a CCJ for £266 which I can pay but I still argue the validity of the parking ticket.

anyway, the claimant who I have got the details for now say they will not object the CCJ being removed if the payment is made. Does anyone have any experience of whether this carries any weight to the court should I pay, get the above in writing and then apply for a set aside with agreement from the claimant?

thank you in advance, we are about to move for schools so removing it is my priority even though it is less than a year till it falls off.

kind regards

Lee

Will drop off your file automatically after 6 years whatever happens.

It`s always at the courts discretion what they agree too, for example, if they suspect you have paid it just to have the CCJ removed, they may oppose that measure, nothing is guaranteed.

Renegadecrab

Thank you, is it true that if you were to explore the above and they decide not to allow it to be removed it can be reset/extended to another 6 years? 

Seems too risky if that’s the case.

kind regards

lee

sourcrates

Renegadecrab said:

Thank you, is it true that if you were to explore the above and they decide not to allow it to be removed it can be reset/extended to another 6 years? 

Seems too risky if that’s the case.

kind regards

lee

No, that is an old wife`s tale, judgement`s stay on file for 6 years, period, nothing can alter that fact, it still drops off automatically at the end of that time period.

If the court thinks your abusing the system, they can just deny your request, they cannot extend the time the judgement is valid for.

Depends on the judge you get on the day.

DE_612183

£279 looks a bit like a parking invoice which went to court and was unpaid...

fatbelly

Noraw10 said:

Hello,

I recently applied for an investment savings account, and was told that during checks the company have found a CCJ against my name from 2018. I've had a mortgage in the last 2 years and this never came up, and have also had various other credit applied for successfully.

I asked for more information from the company, and they have provided my name (all be it maiden) and an address I used to live at where the CCJ is, which is from 2018 and for £279.

I was completely unaware of this, and it hasn't shown up on Experian or Equifax. 

I don't know what to do, whether to ignore it or find out more information. If I went digging, would the debtors be likely to chase it? Where can I get more information from?

I genuinely don't know what the CCJ is for. I didn't live at the address for long and barely had any bills or accounts registered there.

Thank you for reading. Any advice appreciated.

You didn't say you've been turned down for the account, just that a ccj was discovered.

As this doesn't seem to be causing any issue and isn't on your Experian/Equifax reports, I can't see the point in digging around.