Jump to content


CCJ still visible?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4695 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all.

I've been looking to pay off my credit card balances & some months ago contacted LloydsTsb to enquire about borrowing against my mortgage as I have plenty of equity in my property.

I was told that they would not agree to further lending if I had a CCJ on file which I did.

Now that the CCJ was entered over 6 years ago I checked my credit file with 2 CRA's & the CCJ no longer shows on either so I thought I'd try again.

I've just been told by one of their operators that they won't help me as their credit check has shown a CCJ on my file. How on earth can this be?

I think my file has only been free from the CCJ for a week or so but clean is clean right?

 

Any advice appreciated.

Thanks.

Link to post
Share on other sites

You will need to request your credit file from all 3 agencies to clarify that it has definitely been removed.

 

It may be that one of the CRA's has not yet updated your file and it will drop off when they do so.

IVA Entry Removed

Nationwide Default Removed

Nationwide Joint Account Default Removed

Natwest Default Removed

Blackhorse Car Finance Court Claim - Won

Link to post
Share on other sites

Perhaps the bank had checked before the removal of the CCJ Call Credit are usually very slow and info is out of date in my experience.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Ask them which credit reference agency they used as they are obliged to inform you, then get a credit report from that agency, take it into the bank and ask them what CCJ are they referring to exactly :-)

  • Confused 1

IVA Entry Removed

Nationwide Default Removed

Nationwide Joint Account Default Removed

Natwest Default Removed

Blackhorse Car Finance Court Claim - Won

Link to post
Share on other sites

Good Idea if it is call credit it could be useful to be explicit that you require an up to date version, it has come to my notice that some

banks are using all 3 main agencies.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Ask them which credit reference agency they used as they are obliged to inform you, then get a credit report from that agency, take it into the bank and ask them what CCJ are they referring to exactly :-)

 

Great tip. I'll get onto them on monday.

All 3 credit angencies show my file to be clean so I need to know where the hell they got their info from.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...