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Small claim loss judgement


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Hi, i have been checking my credit file online and found a discrepancy between the amount i thought i owed an organisation following a loss in small claim court and the amount shown as till oweing on the credit file report, also both Noddle and Trust online say that i have no ccj's despite me losing in small claims court...is this right? i must admit i'm a bit baffled.

 

Gavin.

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There is no ccj recorded on either my credit file or with TRUST.

This contradicts your first post, where you say you were checking your credit file and found a discrepancy.

 

Can we assume that it is recorded with one of the reference agencies but not on Noddle (i.e. Callcredit) or Trust Online?

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The discrepancy is between the amount my credit file says i owe and the amount i thought i still owed (i have been paying monthly), there is NO ccj registered with either my credit file or Trust therefore there is no ccj despite the fact that i lost a moneyclaim in court last July.

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So it is still being recorded simply as an account but not that it was ever in court ?

 

When you say "last" July".. is that July 2014 or 2013 ? I think they dont record Judgments until up to 28 days after.

 

But if it was 2013.. then I am at a loss to understand why it hasnt been recorded.. I certainly shouldnt worry about it :)

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If however, you have been making payments off the debt - then you want that accurately recorded - I suggest you request a statement of account so that you can check all the payments you have made have been deducted.

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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2: Does your Bank play fair - You can force your Bank to play Fair with you

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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Was July 2013 and i just thought that all judgements were recorded as ccj's thats all.

 

For sure you would have thought it would be recorded on trust online - but if it isn't.. I wouldn't panic.. this could mean that the recording on your credit file will only last as long as the original default date and not from the Judgment date.. fingers crossed.

 

However, you do need a statement to find out the true balance outstanding.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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