Well im surprised because the DCA are legally allowed to enforce this apparently once they have the CCJ. Well the debt is a credit card debt from 3 years ago. I went travelling and buried my head in the sand, came back and started university, obviously I moved address so didn't receive anything in the post. I checked my credit report a couple of months ago and saw the CCJ sitting there.

Hi. No it's not LINK Financial. Well when you say no one, the DCA can obtain a third party debt order now I have the CCJ right? What details do you need to know?

I know there's a lot of 'scaremongering' around. Just don't know what is true and what isn't!

Yes it appears it could of been a soft check in that case. The other thing I heard was that the DCA can submit a general search with all the banks and the banks inform the DCA if the debtor has any accounts with them? Sorry about all the questions!

The student loan people don't do credit checks no, as it is income based. Well yes I have a basic account, which I've had since April. When I recently checked my credit report online, it stated that the bank did run a credit check on me (in the section where it says which companies have recently run checks on you) , so the name of the bank will be linked on my file I guess

The CCJ is for just over £3000.

Thanks for the reply, but I can just imagine waking up one day, trying to withdraw some money and find the account has been frozen. Then there is no way out.

Hello All. I'm hoping someone can help. Before I started university, I racked up some debt, which as a course of being unable to repay, I was issued a CCJ at the the beginning of the this year, by the debt collection agency that the debt was passed on to. I start a summer job next week, which will contribute towards my living costs as being a student. I will also be getting my student loan in September. After researching that DCA's can freeze bank accounts, I am worried that the money I earn as well as the money I receive in my student loan will be frozen. I recently opened a basic account and I am wondering how the DCA will find this account. It's putting me under a lot of stress and I'm literally considering withdrawing every penny as soon as it hits the account just o avoid this. Can you guys offer me any advice please? Cheers in advance.