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Can Final Charging Orders be recorded by credit refernece agencies??

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Hello, I would be very grateful if anybody knows a thing or two about this...


We at the CAB are struggling to answer client's queries on this...


Can a Final Charging Order be recorded against a debtor's file by credit reference agencies??? How do they have the power to do this?


Thank you :)

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Hi there,


I'm not 100% on this but I'm pretty certain that it would only be the CCJ that is recorded rather than any enforcment measures taken (such as the final charge).


Welcome to the forums BTW.

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Hi thanks for the reply.


If a CCJ can be recorded on a credit file by a credit reference agency, would it be able to state whether it is secured or unsecured?


If the credit report states that the CCJ against the debtor is secured, then it may as well state that there is a final/interim charging order...


My hunch was that if a credit reference agency can only report that there is a CCJ against the debtor, but cannot state any enforcement measures, then they should not be able to record a final charging order aginst the debtor's file.


Does anyone know where I can find the rules on what/how credit reference agencies can report on a credit file? We are trying to dispute that a credit report should have a final charging order recorded on it!



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