Hi all.

I am completely new here and just looking for some advice please.

I bought a house in 2015 with no issues all went through with no problems.

I went to view a new house on Sunday and approached a mortgage advisor who was going to go through our finances etc and see affordability for the new place, financially i knew it wouldnt be an issue.

The advisor contacted me today to advise that I have an active CCJ on my account from 2014.

And that due to this he couldn’t get us the mortgage that we needed.

I download my credit report and there is a CCJ which I have never seen.

My credit score is in the excellent category so I never had any idea that anything was wrong,

I’ve never been refused credit in the time since it has been issued.

I contacted the court who issued it today and they advised the company who lodged the case,

I called them as I was already in a payment plan with them months before the date of the CCJ being filed.

They have advised that I can settle the balance and the CCJ will show as satisfied which is better than active.

Does anyone know if It’s too late to dispute the CCJ after 4 years of it being on file as I was making regular monthly payments to the student loan company before it was actually issued I did receive papers asking if I agreed to the amount owed and I stated that I did and was already in agreement to pay it back,

i then received a letter advising to continue with the arrangement

- no mention of a CCJ being issued.

If I pay the CCJ and it shows as satisfied does this make my chances any better of securing a better mortgage or is it a lost cause now.

Thanks for taking the time to read.

Ps sorry if I’ve done this wrong or it’s posted in the wrong section .

Nelly

Welcome to CAG Nelly

Short answer is yes - A set aside should be done quite quickly when the CCJ Order is made. 4 years is too long... Although... I wonder where the CCJ is from...

Does your CRA have a CCJ Ref on it?

Id ring the HMCTS to ask which company it was that made this order.

Hi Fkofilee

Thank you for replying to me.

I had replied a big message and it hasn’t posted ��.

It was the student awards agency who issued it.

I was in a repayment plan with them from August 2014 and the CCJ was issued in Nov 2014.

I spoke with saas today who advised less than £2000 is outstanding now which I can settle.

I’m just wondering if it will make any difference in file settling it after 4 years and not when it was issued.

I thought it might be far too late to challenge the CCJ.

I spoke with the court who issued it this afternoon and explained I had already arranged a payment plan direct before the order was issued, she said she would look into it and get back to me.

Nelly

Only time it is worth doing that is if the firm agree for the CCJ to removed... Sometimes they can do that.. But is very rare...

And thats NOT getting it satisfied. What it means is paying in full and the claimant agreeing for it to be removed... Youd need to get this in writing.

SAAS is Scotland, aare you or were you resident inscotland at that time.wonder why its a CCJ not a Scottish decree.

a satisfied CCJ typically makes no odds

but as this is not [are aLL your old addresses showing on your credit file?] on you credit file

speak with the advisor and ask if this was to be shown as satisfied would he then allow the mortgage..

rare for SLC to go for a CCJ,

are you sure it was them not a DCA like LINK or someone?

have you got a copy of the claimform and the CCJ, which court did you speak too, Northants Bulk??

Hi dx100uk

I am and was resident in Scotland at the time that it was issued.

I’m not sure as the only correspondence I remember having was when they wrote to me to advise I would need to pay them back this was around May 2014 then set up the plan with them in August that’s what the girl I spoke to today told me from my saas file.

I have no paperwork now from the court.

I spoke with Dumbarton Sheriff court today.

it cant be a ccj then it must be a decree.

In that case - Im going to go and return to my chair and continue drinking my beer - Ill be quiet now

DX will advise you a little more on the Decree etc

Dx It says on my credit file type - country court judgment status -Active

weird

who issued it dumbarton?

did you ask for a copy and a copy of the claimform?

I didn’t no.

She said it’s a decree in Scotland but shows as a CCJ on file.

I’ve contacted the solicitor who dealt with it as if I pay saas direct i won’t be able to get a certificate of satisfaction . It needs to be paid to the solicitor who dealt with it, no doubt to charge me more money.

cert of satisfaction comes from the court

who was the claimant you sure it was saas?

who's the solicitor.

It’s a solicitor based in Edinburgh, Morton Frasers.

This was the email I received direct form Dumbarton court this morning

Hello Nelly

You would contact the Pursuer's solicitor. The court does not need to be advised in respect of payment.

Once the Pursuer's solicitor provide you with a letter of satisfaction you will then contact Registry Trust (020 7380 0133) with a view to having your credit record updated accordingly.

Regards

Ruth

Morton Frasers.

Never known them to work for SLC nor SAAS

Who was the claimant on the decree?

If you dont know go ring the court and ask

Has the mortgage provider 100% said you will get the mortgage if this is shown as satisfied?