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Missing CCJ
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Andrew30000
Posts: 16 Forumite
Hi I am looking for advice. I was told by a solicitor working on behalf of Erudio student loans that they took out a CCJ against me. I had forgotten to update my address for various reasons I don't want to go into. Anyway I've been checking my credit files following the advice section on here but none of them mention any CCJ. I recently applied to join a car club but they said their checks showed a CCJ and I would have to pay a deposit to join. Does anyone know why it wouldn't show on the reports (it's from last year) or anything I can do? I have requested that my loan be reinstated due to extenuating circumstances and have gone down the Ombudsman route, just today. Why would it not show and is there any reason a company can see it but I can't?
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It depends how you view your files, a statutory credit report is best.
It should be recorded in the public information section, but may not be shared with all CRA.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Have you checked all 3 credit files? It’s not uncommon for it to be missed on one file but be on another£2820/£4000 0% 24 months pay £150 HSBC
£2,100/£3000 0% 27 months pay £150 M&S
£3,050/£4000 0% 27 months pay £150 HALI
£2,200/£7250 0% 14 months pay £60 RBS
£990/£2000 28% Zable closed £60
mortgage £22,000/£89,000 2 years left0 -
Hi thank you yes I've checked all three. I followed the instructions on the advice pages, joining MSE credit club, Equifax (free account) and Credit Karma0
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Hi, just wondering if you found the CCJ? I am in the same boat - I've been told I have 2 but can't find them anywhere. ClearScore and The Registry Trust both assure me that I don't have any CCJs.0
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Who has told you this?eskimalita7 said:Hi, just wondering if you found the CCJ? I am in the same boat - I've been told I have 2 but can't find them anywhere. ClearScore and The Registry Trust both assure me that I don't have any CCJs.
Starting your own thread with a little more background info would help.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Hi no I haven't, but I think it's because it's related to student loanseskimalita7 said:Hi, just wondering if you found the CCJ? I am in the same boat - I've been told I have 2 but can't find them anywhere. ClearScore and The Registry Trust both assure me that I don't have any CCJs.0
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