lowell backdoor Cat debt CCJ - now court bailiffs?, how much will this harm my future?

[sgtbush]

The Judgment only shows on your file for 6 yearsicon then falls off...no trace.

 

This is true but as the op has stated they are seriously looking for a career in the civil service or the police it must be declared as its exempt.

A ccj can stop you getting into the police, depends on vetting levels for other civil service jobs.

If the ccj is unsatisfied it will stop you passing vetting for certain exempt positions.

[tom100]

If the ccj is unsatisfied it will stop you passing vetting for certain exempt positions.

 

In the civil service, or in general?

 

I have 1 more day to pay this off within the time allowed to get it removed....

 

I am seriously tempted to try and get a loan so I can pay this CCJ off, but due to other defaults (many), my poor credit file, and now the CCJ is on there....its impossible to find anywhere I will get accepted.

 

Getting the money from friends/family even temporarily is not an option

 

Arrrrrgh i feel like my life is ruined because of this thing

[sgtbush]

Mainly civil service.

Unsatisfied ccj in the police.. Fail vetting, shows no integrity and possible money troubles, could lead to corruption. Same for prison service, any job that requires security clearance.. Forget it.

 

In private company's, unless it connects to the civil service contracts, like private prison custodial officer (g4s, sodexo, Serco ) then it falls off after 6 years.

In short if the job is exempt then more than likely not, if not exempt then 6 years as they have no cause or right to look back further

 

Dont get me wrong its only defaulted or unsatisfied ccj's that could affect certain careers

[tom100]

Damn, this is worse than I first thought!

 

I just looked at the Greater Manchester Police website for example and their vetting procedure, and even people with unsettled defaults they would ask for the defaults to be settled before they considered employing.

 

But let me get one thing straight sgtbush, sorry but its been a long day and I just want to make sure i fully understand what you are saying....

 

If my CCJ is going to prevent me from certain jobs and ruin my life for the next 6 years, that is one thing.....

 

But are you telling me that even after 6 years and the CCJ 'dissapears', it could still come back to haunt me? For something like a diplomacy role in the Foreign&Commonwealth office, or any government job? Obviously this will be deep vetting procedure. Are you saying they will be able to see I once had a CCJ and thats it, forever? Surely not?

 

I might aswell have a criminal record then?

[sgtbush]

For certain jobs, yes it can.

Think of it on these lines

If a job is exempt from the rehabilitation of offenders act 1974 then it could come under question

[tom100]

Jesus, I can't believe this. I will have the same chance as a released rapist/murderer of getting certain jobs? (inc one i want) just for a bloody CCJ?

 

Do you happen to have a list of exempt jobs?

I couldn't find when I searched just now.

It all just comes up with different criminal offences, and I thought CCJ was a civil matter?

[sgtbush]

No I dont have a list.

As I said It would come under queston. There are no hard or fast rules.

All I can Say is I've gone thru vetting, I'm CTC and DV cleared and I've seen people fail on the simplist of things.

I've also seen people pass with things.

 

Look at it this way.

 

A job advertised that is exempt under ROOA 1974

You have two peoples cv on your desk.

Both have pretty identical qualifications.

One has a satisfied non defaulted ccj

One has a defaulted non satisfied ccj.

Its imperative to the job for full vetting to take place

 

Who gets the job???

 

The answer does actually delve deeper like reasons, how old, what type, how much, was it declared or not but I'm trying to put it in the simplist form

[tom100]

Thankyou sgtbush, as much as the realisation of your posts are making me depressed I suppose it's better to face reality now than to live in dreamworld.

 

I'm just looking at a developed vetting questionare and searched for the financial bits;

https://www.gov.uk/government/publications/developed-vetting-questionnaire-nsv002

 

As my CCJ is "only" for £350ish, it will be satisfied within the next year or so i imagine, but it will also be a defaulted ccj as i cant afford the £50 set by the court, and have agreed to pay original creditor a token payment until i get myself sorted.

 

Obviously in any case I would need to get myself completely out of the woods in all departments (defaults, late payments) it seems and build up a sound financial background. maybe having a bit of savings would prove i've "changed" too?

[sgtbush]

Just run with it.

Pay it as soon as possible.

I'm not saying it will be a problem in the future, just possibly.

Its only £350, not the national debt.

 

If you went thru vetting you would be able to either explain it or appeal a decision .

 

The fact your here, asking advice and your bothered about it shows integrity.

[tom100]

I'm not saying it will be a problem in the future, just possibly.

 

Thanks, I appreciate that

Tbh glancing at the form it didn't fill me with confidence even excluding the CCJ factor? "Have you ever been in financial difficulty? If yes explain below and include dates" - my financial history is a complete mess. Defaults, missed payments, (probably 8-10 different accounts).

 

Even if i use the next 6 years to get myself in order, my financial past is likely to come back to haunt me i suspect.

 

Ironically my brother is the same as you, CTC and DV cleared....i'm not sure i'll ever be able to say the same

 

Long story short.....I'd have absoloutely no chance of DV clearance right now and there would be huge doubt in 6 years time too?

[dx100uk]

who got the CCJ over what?

[dx100uk]

is this the same CCJ?

 

dx

[tom100]

is this the same CCJ?

 

dx

 

Yes, the same one as this; https://www.consumeractiongroup.co.uk/forum/showthread.php?487902-What-is-the-worst-a-bailiff-can-do-re-unpayable-CCJ

 

I don't dispute the debt it's all perfectly fine, I simply hadnt been at my parents address for a few months when all this happened. If I'd have seen the letters in time and made a plan this could have been avoided. Just incredibly bad luck for me

[dx100uk]

better in one thread

I've merged them and retitled it to encompass both questions..

[dx100uk]

so an old cat debt...

 

why cant you set this aside and stop this in its track?

did you not inform the OC or the DCA you'd moved?

 

we need a reason to set aside and a reason to defence the org debt.

 

did you ring northants bulk and get a copy of the Claimform and the Judgement?

[tom100]

I cant set aside for many reasons.

(1) the first payment of £50 is due tomorrow. its been nearly a month since judgement

(2) i cant afford the court fee to do this, and to get help you need to be on benefits

 

No I hadnt informed them I had moved....its complex because its temporary moving whilst at uni.

 

I have the claimform and judgment because i popped back to parents house and saw it

[dx100uk]

so in a way you did get it.

rock and a hard place.

 

might be better to just follow andy's thought in post 2

 

pers i'd spend the £50 you have to pay anyway on getting a N245 running

get it set to a lower figure PCM and deal with p'haps a set aside [though I can see no real reason to do so] later?

[AndyOrch]

" As my CCJ is "only" for £350ish, it will be satisfied within the next year or so i imagine, but it will also be a defaulted ccj as i cant afford the £50 set by the court, and have agreed to pay original creditor a token payment until i get myself sorted."

 

Think your a little confused.....you cant have a defaulted CCJ...you can have a default CCJ...because you didnt defend it.....your not defaulting because your not meeting the payment set by the order..you have agreed a payment plan with the judgment creditor..they have accepted..they set the £50 initially..the court just typed it out....they therefore have rescinded and set it to your requested affordable payment.

[tom100]

On my credit file it will make no reference to the £50 I am supposedly supposed to pay each months and the "missed" payments?

 

I think when people hear of CCJs they panic because they think the courts are actively pursuing them automatically? I know I certainly did.

Where as in reality, it is entirely the discretion of the judgment creditor right?

 

If they wanted to enforce the debt they could pay the court fee and do it.

If they couldnt be bothered to do anything and let the debt go, they could do that.

The court doesn't really give a toss, unless their getting paid for enforcement?

Am I right?

Edited June 15, 2018 by dx100uk
Quote

[dx100uk]

you thought they might send bailiffs

they haven't yet?

 

the CCj is there already unless you pay it in full in [28 days] [today was it?]

it will remain there for 6yrs regardless to if you pay it or not.

a satisfied CCJ is just as damaging and a non satisfied one.

 

the only way to remove it would be to set it aside

I cant see a viable reason to do that

you got the claimform

you didn't respond.

and I cant see a defence for the debt anyway.

paperwork issues don't matter now.

 

dx

[tom100]

Well I didn't get the claimform in time because I'd been away from parents house for several months whilst at Uni but from my research apaprently this on its own is not a good enough defence to get it set aside.

 

How about if the original creditor agree not to get in the way of a set it aside claim? maybe if i offer full payment and a bit more for their trouble once im in position to do so? will this make any difference or are they not even present at the hearing?

[The Ting]

Hi. Digressing a little, why don't you want to claim JSA? You could post on our benefits forum for further advice.

 

HB

 

Full-time students are generally not able to claim JSA - even during the Summer vacation periods. There are a few exceptions, which include:

 

-If you are a lone parent

-A member of a couple with a child where both of you are full-time students and you claim during your summer holidays.

- If you are attending a DWP related course or scheme for a limited period (seek specialist advice in this case)

 

You can also claim if you've taken time out from university for poor health or caring responsibilities, and you're waiting to re-join the course

 

OP - Have you contacted your institution to see if there is a hardship fund or Summer Vacation fund that you might be able to seek support from?

[honeybee13]

Apologies, I thought you had stopped being a full-time student.

 

HB

[notodebt]

Thanks a lot Andy

The creditor is Lowell I know they have a bad reputation but it seemed like the woman on the phone was really genuine, but doesnt mean to say she doesnt have more unforgiving superiors.

 

Yes she said I'll be getting payment plan through the post. I really doubt its going to explicitly state "if you continue this payment plan, we won't enforce the debt" as it would mean I could take over 10 years paying it off haha, hardly worth it for them when they have the CCJ?

 

 

So £25 to apply for the CCJ, and £77 to enforce it? Thats almost certainly more than they paid for the debt isn't it?

 

They only seem genuine because they are on commission and getting payment is there main game ! I can understand you feel overwherlmed at the moment but please listen to the great advice on here and also don't take the DCA at face value no matter what they tell you.

DCA's will stitch you up to suit themselves. Once you start to take control they they tend to back off quickly. Personally I would be making sure all correspondence is in writing !

[ploddertom]

 

 

 

(2) i cant afford the court fee to do this, and to get help you need to be on benefits

 

 

 

 

 

There is more to being able to claim Fee Remission than on being on Benefits. https://www.gov.uk/government/publications/apply-for-help-with-court-and-tribunal-fees Follow the instructions at the end of Q9 on the Form.