Jump to content


CCJ - over 6 years old - and a reference check


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2365 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

In 2008 I received 3 CCJ's,

one is now paid in full and

the other 2 are being paid off at an amount agreed by the court.

 

When these CCJ's were issued

I was up front with my landlord's letting and managing agent

we agreed to continue with a lease that had been in place from late 2006.

I've never missed a payment in all these years.

 

I now want to downsize and rent a new property as the year on year rent increases are getting too much.

 

I've found a flat that I can easily afford

however in the agents reference form there's the question

'have you ever had a CCJ, bankruptcy etc'.

 

A search of the Registry Trust shows no CCJ's on record,

I'm thrown by the question 'have you ever...'.

Do I declare the two outstanding CCJ's or keep shtum as it's been more than 6 years?

 

The referencing is being carried out by Experian TV and the agent I'm now trying to deal with is not on top of their game

(initial paperwork shows tenancy end date the day before I move in,

my name misspelt, my phone number passed to Virgin Media and Endsleigh Insurance without permission etc),

 

but I do like the flat and can afford it,

but I'm wary because of the mistakes and aggressive marketing push.

 

In short,

do I disclose the CCJ's that are in hand or do I keep quiet as it's been more than 6 years?

Link to post
Share on other sites

None of their ruddy business!!

The law stays CCJ's vanish from public record on their 6th birthday

Regardless to if they are paid off not paid at all or being paid..like you..

 

So that you are not being disadvantaged for paying you dues when others might ignore

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

If it isn't on your credit record, just say no

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

that is why there is a time limit on them showing on your files.

Everyone has the right to be forgotten.

 

as for the breach of the DPA by the agent,

get the flat tenancy and then deal with that afterwards if you are so inclined.

 

 

The agents are just that, they are not your landlord so once you are in you dont have to be nice to them as they work for your LL not for you..

Link to post
Share on other sites

Thanks muchly all, I feel better.

The registry trust shows no CCJ's.

I applied for the £2 Experian report last month and the worst it shows is some searches by Moneysupermarket for home contents insurance quotes and First Credit logging an entry in May 2013 but I'm not sure if that's visible to everyone???

Hang on! I've never dealt with 1st credit before.

 

I'm going to take a deep breath and say no to having a CCJ. If that fails, I'm moving in with you :)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...