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  • FIRST POST
    • enook77
    • By enook77 14th Oct 19, 11:44 AM
    • 45Posts
    • 10Thanks
    enook77
    CCJ - 6 years is nearly up.
    • #1
    • 14th Oct 19, 11:44 AM
    CCJ - 6 years is nearly up. 14th Oct 19 at 11:44 AM
    Hello all,

    I ended up with a CCJ from a private parking company back in Feb 2014.

    The CCJ was for the ridiculous amount of just 145.

    This was paid off in full in August 2014 when I discovered it had been issued.
    So at least it was showing as 'settled' on my file.

    This blip on my credit report has caused me so many problems it us unreal. I will be so glad to see the back of it.

    Anyway, my question is this....once the CCJ drops off my report...do I have to declare this on any paperwork going forward as technically the CCJ wont exist?

    Have you ever has any CCJs or defaults? Seems to be a common question nowadays.

    Many Thanks

    E.
Page 1
    • zx81
    • By zx81 14th Oct 19, 11:47 AM
    • 24,143 Posts
    • 26,863 Thanks
    zx81
    • #2
    • 14th Oct 19, 11:47 AM
    • #2
    • 14th Oct 19, 11:47 AM
    If you're asked, yes.
    • enook77
    • By enook77 14th Oct 19, 11:49 AM
    • 45 Posts
    • 10 Thanks
    enook77
    • #3
    • 14th Oct 19, 11:49 AM
    • #3
    • 14th Oct 19, 11:49 AM
    My point is though no one can ever prove it existed. File check will come back as clean.
    • Gary_Dexter
    • By Gary_Dexter 14th Oct 19, 11:57 AM
    • 6,917 Posts
    • 4,602 Thanks
    Gary_Dexter
    • #4
    • 14th Oct 19, 11:57 AM
    • #4
    • 14th Oct 19, 11:57 AM
    They can still find out through other means.
    • enook77
    • By enook77 14th Oct 19, 11:59 AM
    • 45 Posts
    • 10 Thanks
    enook77
    • #5
    • 14th Oct 19, 11:59 AM
    • #5
    • 14th Oct 19, 11:59 AM
    How exactly? You can't just say by other means and not explain.
    • Humdinger1
    • By Humdinger1 14th Oct 19, 2:09 PM
    • 124 Posts
    • 422 Thanks
    Humdinger1
    • #6
    • 14th Oct 19, 2:09 PM
    • #6
    • 14th Oct 19, 2:09 PM
    Enook, it might be worth seeing if you can get this removed. Complex at this stage but did you not receive notification of court action? Someone with more expertise will be along shortly.
    • twhitehousescat
    • By twhitehousescat 14th Oct 19, 2:21 PM
    • 4,249 Posts
    • 5,237 Thanks
    twhitehousescat
    • #7
    • 14th Oct 19, 2:21 PM
    • #7
    • 14th Oct 19, 2:21 PM
    Enook, it might be worth seeing if you can get this removed. Complex at this stage but did you not receive notification of court action? Someone with more expertise will be along shortly.
    Originally posted by Humdinger1
    the OP has paid up therefor its"satisfied"

    they cannot now ask for a setaside
    Time pretending I was asleep whilst under his desk , has given me insight to this sordid world
    • PRAISETHESUN
    • By PRAISETHESUN 14th Oct 19, 2:23 PM
    • 1,372 Posts
    • 751 Thanks
    PRAISETHESUN
    • #8
    • 14th Oct 19, 2:23 PM
    • #8
    • 14th Oct 19, 2:23 PM
    Court judgements are usually a matter of public record so it might be feasible to check that way. It will technically still exist but should be settled so shouldn't impact your ability to get credit. Otherwise it'll all depend on the exact question asked I suspect - if anyone ever asks about having CCJs "in the last 6 years" vs "at any point" then you'll have to answer accordingly, or else be at the risk of having made a fraudulent declaration.
    • nic_c
    • By nic_c 14th Oct 19, 2:28 PM
    • 2,180 Posts
    • 1,138 Thanks
    nic_c
    • #9
    • 14th Oct 19, 2:28 PM
    • #9
    • 14th Oct 19, 2:28 PM
    It will drop off both your credit file and the public trust registry, so it shouldn't have an effect. True if a company does a check on you it won't show up, but any company you have had dealings with may have recorded you have a CCJ and so refer to these with future applications - wonder if a right to erasure could help?

    Some companies, like Santander will ask if ever being bankrupt (even if 15 or 20 years ago), not sure many companies ask if ever got a CCJ, just if you have had one in the last six years.
    • enook77
    • By enook77 14th Oct 19, 4:18 PM
    • 45 Posts
    • 10 Thanks
    enook77
    It is a private parking company not a financial institution, so unlikely to affect me in the way you describe.
    • enook77
    • By enook77 14th Oct 19, 4:23 PM
    • 45 Posts
    • 10 Thanks
    enook77
    I have already paid, so impossible to set aside. Not long to go now.

    I didn't receive some of the paperwork.....but as these court documents are sent via the normal postal service it is impossible to prove. That's why I never bothered...I did a lot of reading about this at the time. Everyone I spoke to said I had no chance.
    • nic_c
    • By nic_c 14th Oct 19, 8:18 PM
    • 2,180 Posts
    • 1,138 Thanks
    nic_c
    It is a private parking company not a financial institution, so unlikely to affect me in the way you describe.
    Originally posted by enook77
    It is a parking fine, so I assume you have a car, get car insurance, probably have had quotes where your details are then stored and used to check for other products ...

    I wasn't meaning the company you dealt with for the CCJ but any financial institutions in the last six years that may have checked your credit file. My credit file gets about 40 soft checks from companies I have no connection around my car insurance renewal time with because at some point in the past say 3 or 4 years ago I put details into a few comparison sites to find the best insurance and my details have been passed on.
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