Best Way to be notified about CCJs at old addresses.

Blab1000

I am a newbie on this forum so please bear with me.  I plan on getting a mortgage at some point in the near future, but not immediately, (say 2-3 years from now).  So I want to maintain a clean credit profile.

I have recently, through reading consumer horror stories, stumbled onto the dark world of debt collectors suing at old addresses.  As far as I am aware I have no outstanding/defaulted debts etc and my credit files appear super clean.

However, I have read about car parking firms, utility companies etc suing at old addresses.  Again neither should be an issue for me, as I have always paid asap with regards to invoices.

I am asking anyone here if they know the best way to be notified you have a CCJ on record ideally asap so I can either deal with it within a month, or contest it promptly depending on the amount owed.  

I check my credit reports regularly, but I understand there will undoubtedly be a delay for the CCJ to appear.  Is the best way just to check registry trust regularly, say once a week at all my old addresses?  This will cost some money, but the money is not really such an issue.

Is there any sort of notification plan I can sign up to be made aware of a CCJ immediately?  I just recently read some horror stories about a utility company suing years later. This company has been bought over, but I have briefly been with them in the past but promptly switched away from them when I moved into one of my old addresses. 

Everything went smoothly as far as I can tell, but it sounds like a lot of it is due to bad record keeping on the part of utility companies, and then they just automate a claim 5 years later at old addresses etc.  It has almost been 6 years (about 5 years 7/8 months) since I had contact with such a company, but I probably only consider myself safe once almost 6 years and 6 months of no contact has occurred.

TLDR:  What is the best way to make sure you are notified of any CCJ at any old address asap? 

Nasqueron

You'd just need to ensure your documents and records with firms are up to date

People get CCJs from parking tickets as they don't update the V5C when they move house, ditto fines/points from the police - driving licence and V5C if you move

You won't get a CCJ without other flags like a firm reporting missed/late payments on your credit file, paying for reviews every week is a waste of money, you're being overly paranoid 

Blab1000

Nasqueron said:

You'd just need to ensure your documents and records with firms are up to date

People get CCJs from parking tickets as they don't update the V5C when they move house, ditto fines/points from the police - driving licence and V5C if you move

You won't get a CCJ without other flags like a firm reporting missed/late payments on your credit file, paying for reviews every week is a waste of money, you're being overly paranoid 

Is it absolutely necessary for energy companies to report missed payments before a CCJ?  This would had been around late 2019 to early 2020.  If so I'm definitely in the clear.

Thank you, I understand I am being paranoid.  Considering the energy firm no longer exists, I'm most likely safe, so long as my details haven't been sold to some unscrupulous debt collector, which has attached some sort of debt to it.  

As they no longer exist, I don't even think it's possible for me to update my details with them.  Needless to say I only passed my new address to the subsequent energy company when I moved out of my old address. 

From Google I know who bought them out, but the new company have never contacted me or even have records of my email address at all. 

If it ever comes to a CCJ.  I hope a judge will take it into consideration.  

Thank you very much.  I have probably been digging too deep into consumer horror stories online. 

Nasqueron

Blab1000 said:

Nasqueron said:

You'd just need to ensure your documents and records with firms are up to date

People get CCJs from parking tickets as they don't update the V5C when they move house, ditto fines/points from the police - driving licence and V5C if you move

You won't get a CCJ without other flags like a firm reporting missed/late payments on your credit file, paying for reviews every week is a waste of money, you're being overly paranoid 

Is it absolutely necessary for energy companies to report missed payments before a CCJ?  This would had been around late 2019 to early 2020.  If so I'm definitely in the clear.

Thank you, I understand I am being paranoid.  Considering the energy firm no longer exists, I'm most likely safe, so long as my details haven't been sold to some unscrupulous debt collector, which has attached some sort of debt to it.  

As they no longer exist, I don't even think it's possible for me to update my details with them.  Needless to say I only passed my new address to the subsequent energy company when I moved out of my old address. 

From Google I know who bought them out, but the new company have never contacted me or even have records of my email address at all. 

If it ever comes to a CCJ.  I hope a judge will take it into consideration.  

Thank you very much.  I have probably been digging too deep into consumer horror stories online. 

To get a CCJ they would have to have a record of missed payments, send warning of intention to default, have a default then start to do the debt collection etc before getting to the CCJ point.

Blab1000

Nasqueron said:

Blab1000 said:

Nasqueron said:

You'd just need to ensure your documents and records with firms are up to date

People get CCJs from parking tickets as they don't update the V5C when they move house, ditto fines/points from the police - driving licence and V5C if you move

You won't get a CCJ without other flags like a firm reporting missed/late payments on your credit file, paying for reviews every week is a waste of money, you're being overly paranoid 

Is it absolutely necessary for energy companies to report missed payments before a CCJ?  This would had been around late 2019 to early 2020.  If so I'm definitely in the clear.

Thank you, I understand I am being paranoid.  Considering the energy firm no longer exists, I'm most likely safe, so long as my details haven't been sold to some unscrupulous debt collector, which has attached some sort of debt to it.  

As they no longer exist, I don't even think it's possible for me to update my details with them.  Needless to say I only passed my new address to the subsequent energy company when I moved out of my old address. 

From Google I know who bought them out, but the new company have never contacted me or even have records of my email address at all. 

If it ever comes to a CCJ.  I hope a judge will take it into consideration.  

Thank you very much.  I have probably been digging too deep into consumer horror stories online. 

To get a CCJ they would have to have a record of missed payments, send warning of intention to default, have a default then start to do the debt collection etc before getting to the CCJ point.

Thanks very much.  I'm definitely being paranoid, but I should probably take what I read online with a pinch of salt. 

All the horror stories seem to suggest you can just get a CCJ without any notification at all, if they sue at some old address of yours.  I'm glad to hear there must be at least some process to it.