Council tax CCJ - help required

Randombloke · 11 July 2017 at 5:51PM

Hi all
I've recently discovered that I have a CCJ registered against me relating to council tax and wonder if there's anything I can do to get this removed from the credit reference agencies files.

Essentially, I struggled for years to pay my council tax and as I'm very effective at playing bailiff companys at their own game, I had built up a number of years worth of arrears that the council were unable to collect. Things came to a head last year when the council decided to get a charging order for the amount owed registered against my property, which they did via the local county court. That all fine, and was expected, and is a good result for me as I don't have to immediately find the money.

The problem is, registry trust shows the CCJ and its therefore been picked up by the credit reference agencies (equifax, callcredit, experian). There's lots of info out there that says council tax shouldnt be listed on credit reference files, but I guess this is a fairly unusual case.

Any advice as to how I might go about getting the agencies to remove it from their records?

thanks in advance for any help or advice!

IAmWales · 11 July 2017 at 6:02PM

Randombloke wrote: »

Hi all
I've recently discovered that I have a CCJ registered against me relating to council tax and wonder if there's anything I can do to get this removed from the credit reference agencies files.

Essentially, I struggled for years to pay my council tax and as I'm very effective at playing bailiff companys at their own game, I had built up a number of years worth of arrears that the council were unable to collect. Things came to a head last year when the council decided to get a charging order for the amount owed registered against my property, which they did via the local county court. That all fine, and was expected, and is a good result for me as I don't have to immediately find the money.

The problem is, registry trust shows the CCJ and its therefore been picked up by the credit reference agencies (equifax, callcredit, experian). There's lots of info out there that says council tax shouldnt be listed on credit reference files, but I guess this is a fairly unusual case.

Any advice as to how I might go about getting the agencies to remove it from their records?

thanks in advance for any help or advice!

You have a CCJ and a charging order against your property. That suggests your effectiveness at avoiding your debts is pretty useless.

Samsung_Note2 · 11 July 2017 at 6:04PM

Randombloke wrote: »

Hi all
I've recently discovered that I have a CCJ registered against me relating to council tax and wonder if there's anything I can do to get this removed from the credit reference agencies files.

Essentially, I struggled for years to pay my council tax and as I'm very effective at playing bailiff companys at their own game, I had built up a number of years worth of arrears that the council were unable to collect. Things came to a head last year when the council decided to get a charging order for the amount owed registered against my property, which they did via the local county court. That all fine, and was expected, and is a good result for me as I don't have to immediately find the money.

The problem is, registry trust shows the CCJ and its therefore been picked up by the credit reference agencies (equifax, callcredit, experian). There's lots of info out there that says council tax shouldnt be listed on credit reference files, but I guess this is a fairly unusual case.

Any advice as to how I might go about getting the agencies to remove it from their records?

thanks in advance for any help or advice!

Starts off sounding like you genuinely couldn't pay..then straight away you gloat how good you are at Refusing to pay.

Guess what...you obviously aint very effective at playing bailiff company at their own game as you would have known a charging order = CCJ.

Maybe instead of trying to avoid Council tax...you know that horrible bill we all have to pay,and work out a way to pay it,pretty simple really.

Randombloke · 11 July 2017 at 6:12PM

Wow! I certainly didn't expect those responses! Have you guys nothing better to do?

To clarify, I've never refused to pay my council tax but fell on a couple of years of hard times and was unable to do so, and the council chose to continue to try and collect using private bailiff companies who I managed to keep at arms length. I still owe the council the money, and I'm still paying it, with interest, but charging order means council now have security over the debt.

If there's anyone out there less vitriolic and judgmental who may be able to answer my question in a constructive way, I'd be very grateful for your advice.

CIS · 11 July 2017 at 6:30PM

Are you sure the CCJ is for council tax ? Have you checked who it was granted by ?

As I understand it only the CCJ itself is recorded on the credit file, not the charging order itself.

To get a charging order for council tax arrears the CCJ isn't needed as the liability order from the magistrates court allows the application to be made with the liability order in place of the CCJ.

In cases where a CCJ has been granted and a charging order applied for in respect of a debt the CCJ would still stay on the credit records even if the charging order is in place. The CCJ is notification to people that a court judgement has been made, its a separate issue to the method of enforcement used and won't be removed just because of the charging order.

Craig

System · 11 July 2017 at 6:43PM

OP you're lucky my brother wasn't dealing with you. His job in the council is dealing with people in council tax arrears and his department just successfully managed to get someone exactly like you who continually refused to pay their council tax and kept playing games sent to prison. The man got a 3 month sentence.

You do know not paying your council tax is the one bill you can go to prison for for not paying?

Randombloke · 11 July 2017 at 7:42PM

Tarambor,

As I said in my earlier post, I've NEVER refused to pay my council tax, I fell upon a period of hardship and simply could not afford to pay. I refused to deal with the bailiffs who in my opinion are parasites, and very unpleasant people to deal with, often using bullying tactics and lying about their powers of recovery. I continued to pay the council at a rate I could afford to clear my arrears, and haven't fallen into further arrears. So for those wishing to tell me what a terrible person I am, you are wasting your time and mine, my conscience is clear. I simply asked a technical question about a technical matter relating to CCJ's.

Randombloke · 11 July 2017 at 7:49PM

Craig
Thanks for your reply.
The CCJ is indeed for the council tax, applied for by the local authority and issued by my local county court. Its an Order for Recovery of award, where the council then went on to apply for a charging order - so the CCJ sort of relates to an interim step in reaching the charging order stage.
My query is whether this can be ommited from my credit reference file as it relates to council tax, which normally doesn't appear on those records.

Edi81 · 11 July 2017 at 8:12PM

Perhaps if you don't want those types of responses from other posters you should give the full information in your initial post. You haven't painted yourself in the best light with your attituude.

worried_jim · 11 July 2017 at 8:16PM

Sounds like an epic fail.

marliepanda · 11 July 2017 at 8:37PM

Randombloke wrote: »

Tarambor,

As I said in my earlier post, I've NEVER refused to pay my council tax, I fell upon a period of hardship and simply could not afford to pay. I refused to deal with the bailiffs who in my opinion are parasites, and very unpleasant people to deal with, often using bullying tactics and lying about their powers of recovery. I continued to pay the council at a rate I could afford to clear my arrears, and haven't fallen into further arrears. So for those wishing to tell me what a terrible person I am, you are wasting your time and mine, my conscience is clear. I simply asked a technical question about a technical matter relating to CCJ's.

I have worked for various councils along the way.

All of which will work with people who will work with them, whether thats £5 a month or £500 a month.

The fact they got a CCJ means that for a period of time you did refuse to pay and did refuse to keep up with your payment plans.

Council tax CCJ - help required

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