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CCJ not showing on credit file


thedryad
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Hia ll,

Hope I'm posting in the right forum. In March 2015 my partner had a CCJ against him.

He attended the court hearing and was ordered to pay.

He has been paying £75 a month since then.

Today he checked his credit file online and found he has a good credit sore with all 4 reference agencies and no record of a CCJ on his file.

We've looked through the paperwork relating to the case and can't really make head nor tail of it. There is a case number beginning with A on the court and solicitors paperwork.

Does this mean that the outstanding debt of around £500 is unenforceable?

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tell us about the CCJ and the debt

who got the CCJ

and what the debt is all about

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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My partner bought a van from a dealer that turned out to have a lot of problems just a few weeks outside the 3 month warranty.

 

They took the van back and said they'd rectified the faults.

Meanwhile gave partner a courtesy car.

 

They returned the van but it was immediately evident that the faults ahd not been fixed so partner refused to give the courtesy car back until they recitified it.

 

Eventually they became very aggressive and sent a man round to collect the courtesy car who forced his way into the house and was very confrontational, the police were called, but before they arrive the man took the courtesy car.

 

The dealer refused to fix the van again even though there were still problems.

Partner took it to local garage who fixed the van, costing £1500.

 

The dealer then sent a massive bill for nearly £2000 for use of the courtesy car.

Partner refused to pay it.

 

Dealer then went through small claims.

Partner counter claimed, on the grounds that the van was not fit for purpose and that he had to spend money to get it put right.

 

In March 2015 the court decided in the dealer's favour and my partner was ordered to pay £2,113.00.

He then waited for paperwork to come through of how and where to pay.

 

Then he received a "Notice of issue of warrant of control" which stated that if he did not pay, then a bailiff would visit.

 

He applied for a "variation for suspension of a warrant and/or variation of an order", asking to pay £75 a month, and he paid a fee of £50 for this. His solicitor organised this.

 

So he has been paying £75 a month since then.

 

On "check my file" and "Noddle" there is no record of a CCJ.

 

So is it just a lucky thing that it's not showing on his file and that his credit score is not affected?

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Does anyone know why the CCJ isn't showing then?

I've googled and it looks like it happens a lot!

 

How does it work?

Who has a duty to register a CCJ with the credit referencing agencies?

Why do they sometimes not show?

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that guy wanting the car back should not have forced entry they are NOT BAILIFFS!!

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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Share on other sites

Does anyone know why the CCJ isn't showing then?

I've googled and it looks like it happens a lot!

 

How does it work?

Who has a duty to register a CCJ with the credit referencing agencies?

Why do they sometimes not show?

 

 

The Courts are very busy and understaffed and often miss things.

 

I would let sleeping dogs lie and just keep quiet and keep paying.

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