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Does an old CCJ affect a mortgage application?


debtchallenger
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Hi everyone,

We are wishing to make an application for a mortgage next year,

but we are waiting,

because there is a CCJ on the credit file,

that is due to come off in January 2013.

 

Once that has gone, there will be no adverse credit.

 

I have just been told by a financial advisor that all mortgage lenders ask if you have ever had a CCJ registered against you.

 

If it does not show up on a credit check though, do you have to declare old ones?

 

I am thinking that in this economy, it could wreck our chances of getting a mortgage.

 

Any advice gratefully received :)

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It was an old debt that was put into dispute with Aktiv Kapital once we noticed the CCJ that they had registered.

 

Following lengthy correspondence,

they could never actually prove that the debt existed

and so have left us alone.

 

The balance was not paid.

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yes it will hurt you until it drops off.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I cannot condone what would technically not be an honest answer to the CCJ question on the form.

 

However, to answer your question about records,

 

CCJs are recorded for 6 years from the date of judgement.

 

You'd probably want to allow about 3 months more to be on the safe side,

and make sure your other file entries are clean.

 

After that, they'd have to make extensive enquiries with no guarantee of finding anything.

 

The only enduring public register is the London Gazette,

but I'm not aware of any reason why a CCJ would be listed in there.

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It would be fatal to any mortgage app to deny a CCJ if there is a question regarding it.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thank you.

Will it continue to affect a mortgage application that is made after it has dropped off though?

How much visability do lenders have of old records of credit files?

 

1.no.

 

2.they dont

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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