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randomblokey

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  1. Thanks. For the record, I did deal with it as best as I could at the time, dealt with the council and with their enforcement agents and ultimately the council decided to get the charging order to secure the debt I was paying. When it comes to a choice of feeding your kids or being bullied by a bailiff to pay more than you can afford, the kids come first. Lessons already learned are about surviving several years of very harsh economic circumstances following a global financial crash that decimates your industry, and coming out the other side. You can't fight city hall..
  2. Thanks Andyorch I had no means of dealing with it at the time, so I am where I am. So essentially your advice is that although Council Tax debt doesn't normally show on a credit reference file, because this has been processed through a Court it has formed a CCJ of sorts, got on the registry trust list it and credit reference agencies now list it also. If thats all correct and this form of judgement should be listed, Ill leave it at that.
  3. Hi, definitely for council tax, its not really a CCJ as such but the County Court issues Final Charging Order awards where the council have applied for a debt to be registered against property title, which is what has happened in my case. On the face of it though, it make look like a CCJ in that it has a case number, amount, claimant & defendant names -and it seems that someone at the county court has forwarded this data to Registry Trust, perhaps in error, who have then uploaded it as if it is a CCJ Im trying to find out what and where is the legislation that says what Registry Trust is responsible for, as if that doesn't include Charging Orders I can then ask the to remove from their records - and thus remove from my credit record also to clarify further, I have a copy of the Final Charging Order granted to the local council by the County Court, a copy of the Registry Trust record and a copy of my credit reference files, so I know it shows there even though I think it shouldnt! I'm trying to get to a position where I can write and ask the correct authority (registry trust? the county court?) to look at the specific legislation and ultimately get this off my credit reference files. Im not looking to overturn the charging order or avoid the debt. thanks
  4. Hi All Earlier this year I had a Final Charging Order applied for by my local Council to my local County Court. This secures a long-standing Council Tax debt from a past period of financial difficulty. I’ve no problem with that, it’s right and proper and appears to have been done procedurally correctly. The issue I have is that the Final Charging Order, issued by the County Court with a case number etc, has found its way to Registry Trust so is now listed on my credit file by the credit reference agencies. I’d always understood that credit reference agencies didn’t list council tax debt, so I’ve done a bit of research and made a few calls and I’m now in a position where I need some advice – hence my post here. I rang Registry Trust, the guy I spoke to said normally a charging order wouldn’t be listed but the info they get sent to upload from the County Court Money claim centre doesnt specify what the Judgement is - it just lists case number, amount, claimant & defendant names. He advised me to call the County Court Money claim centre, who have asked me to put my case to them in a letter or email. So what I’m looking to find out is: 1. What and where is the legislation or rules saying what Registry Trust should list? 2. How do I go about getting them to remove the record if it shouldn’t be there? 3. What about the credit reference agencies themselves, what and where is the legislation or rules saying what they can list? I dont want this blighting my file for 6 years if it shouldnt be there. Thanks in advance for any help
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