Joint county court judgement

[junior.252]

Hi all,

 

Just recently received my credit report and i have a joint county court judgement and needed more information.

 

I was living in student halls for a year and kept up all payments until the last one which was for £1400, i couldnt pay this and over time i was sent a count court letter which i filled in, i got a reply and my offer of monthly repayments was accepted. I am currently making the payments.

 

I had an gurantor on my student application. Now he has tried to apply for a credit card but he was refused, he got a copy of his credit report and he is showing the county court judgement too. Why has he got the judgement too?

 

Is there anyway i can get the judgement off his name?

[BankFodder]

I think that you need to get a copy of the judgment to see if the guarantor is named on it.

[junior.252]

Hiya, well he has checked his credit report and the judgement is on his file, so wouldnt that mean he has it too?

 

Of course i will get a copy of the judgement.

 

Ok just say for example, i used him as a gurantor without his permission, and i signed the forms and put down a signature. He wasnt aware of this at all, and i gained copies of his bill and driving license. There had to be a witness too, for example i forged the witness's signature also without him knowing he was going to be a witness for the gurantor.

 

What would happen to me if i told the people i owe the money to, that he wasnt aware he was going to be a gurantor and i forged his signature, what would happen to me in terms of legally and financially as well as my credit file?

[danielanthony]

Thats fraud, and they can take you to court and probably end up with a criminal conviction.

 

Your credit file would still be buggered and you'd probably be marked by N Hunter as a fraud risk. Your guarantor would have to contact the CRA's/County Courts to say that a fraud had been committed and supply proof of your conviction of this offence to get the CCJ removed.