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?

What does your credit report disclose?

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

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

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..

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