son find unknown Lowell CCJ just before applying for a mortgage - help

[gwebstech]

Hi guys

 

My son is coming to buy a house and hes just got a copy of his credit report and there is a CCJ on it that he knows nothing about. He has moved addresses a few times in the last 5 years so the paperwork must have gone to an old address.

 

According to the credit report (we get the full version tomo) Lowells *boo hisss* now own it. The report hsows our address as he used to live here but we def havent had nay paperwork for him.

 

my questions are:

 

a) how can we find out what this was for - can we contact the court and ask them for copies of the paperwork?

 

b) as he needs to get a mortgage

he wants to pay this debt off

whats the best way to do it?

 

I said that as lowells dont have his number or address the chance of them getting the money is very slim

 

he should phone them up and offer to pay half (the debts around £230) just to get them to close the debt for the sake of his mortgage application.

 

would they be able to send an email

(we dont want to give them his address)

saying that they agree to accept X in full and final settlement of the debt

and if they did that are they likely to close it or still chase the remainder?

i dont trust them

 

He would have paid the bill if he knew about it before court but too late now

 

thanks

[dx100uk]

paying the debt or lowells wont remove the CCJ.

and no YOUR NEVER EVER RING A FLEECING DCA.

 

go ring northants bulk tomorrow

ask for a copy of the claimform & the CCJ judgement by email PDF

 

then comeback here when you have the details.

[dx100uk]

moved to legals and retitled

[gwebstech]

thank you dx, ill do that for him and get back here.

 

SO is there no way to get rid of a ccj then? until the 6 year mark has passed?

[dx100uk]

possibly

need the address it was filed too the claimform

which is why above.

 

dx

[dx100uk]

and?

[gwebstech]

hes not got back to me about it yet, hes just moved house so hes not had much time to be fair. (ivej ust asked him to let me know)

 

His mortgage advisor said he ll prob need to pay it so its marked as "satisfied" on his profile for when he applies for the mortgage. A waste of money im sure but i can see how it would look better to a mortgage company

[London1971]

I have a mortgage offer, in my hand right now, and we have 3 CCJ's and a couple of defaults between us. Sure we will be paying around £150 per month more than a standard non adverse mortgage but it's still saving us £450 a month of flushing money down the toilet rent. In a few years once our credit history is clear we will be able to re mortgage with a cheaper mainstream lender.

 

From what I have learnt, the age of the CCJ counts for a huge amount. For example my wife has one from 2012 that is unsatisfied, and was told this would make zero difference. We had far more of a problem with the January '16 issued one, that we had Satisfied !

 

A broker specialising in adverse mortgages might be a better idea for your son, as it may not make any difference if he pays it off or not !

[gwebstech]

thank you thats very helpful to know