Paid CCJs - what now?
Discussion
Bit of background with this one;
In 2017, I was going through a divorce while still living with my ex, in the evenings I'd park in a car park and watch TV on my phone rather than stay at home and argue.
What I didn't realise at the time was that the car park was one which had a 1hr limit, and I ended up with 3 parking tickets from different occasions.
The real problem is, we sold the house and I sold the car to free up some money, and never got any parking ticket paperwork, it went to the old address, which was correct at the time of the tickets, which is the only thing the parking people check, they make no effort to find you because it doesn't make them as much money.
Anyway, the tickets became CCJs because I wasn't aware of them until I ran a credit report in June to find I had 3 CCJs against my name.
Since then, after saving up for months, I've paid them off but they're obviously still affecting my credit score. After my divorce, it was 975, it's now 496.
I'm not trying to dispute the CCJs, it is what it is with them, and it's too late now anyway, I made the error got caught out with strange circumstances but I need to drastically improve my credit score before my tenancy is up in December, when I won't be able to get a new landlord to agree to rent to me, someone with terrible credit, without begging a family member to be a guarantor.
Is there anything I can do?
In 2017, I was going through a divorce while still living with my ex, in the evenings I'd park in a car park and watch TV on my phone rather than stay at home and argue.
What I didn't realise at the time was that the car park was one which had a 1hr limit, and I ended up with 3 parking tickets from different occasions.
The real problem is, we sold the house and I sold the car to free up some money, and never got any parking ticket paperwork, it went to the old address, which was correct at the time of the tickets, which is the only thing the parking people check, they make no effort to find you because it doesn't make them as much money.
Anyway, the tickets became CCJs because I wasn't aware of them until I ran a credit report in June to find I had 3 CCJs against my name.
Since then, after saving up for months, I've paid them off but they're obviously still affecting my credit score. After my divorce, it was 975, it's now 496.
I'm not trying to dispute the CCJs, it is what it is with them, and it's too late now anyway, I made the error got caught out with strange circumstances but I need to drastically improve my credit score before my tenancy is up in December, when I won't be able to get a new landlord to agree to rent to me, someone with terrible credit, without begging a family member to be a guarantor.
Is there anything I can do?
I'm not sure there is much you can do other than wait for them to disappear from your report which is 6 years I believe. You will need to give an explanation to whoever runs a check on you and hope that they're sympathetic. I strongly suspect you will need someone to go as a guarantor for you so might be worth teeing someone up for that now.
Another option but not sure if suitable is to pay a chunk of rent up front, someone I know that's self employed had to pay 6 months in advance.
Another option but not sure if suitable is to pay a chunk of rent up front, someone I know that's self employed had to pay 6 months in advance.
You can contact Experian and ask for a note to be applied next to each of the CCJs to explain the circumstances. Will not improve your credit score but lenders can see them and may take them into account.
Another line of approach would be to contact however registered the CCJs and see if they would be willing to remove them from your file. It's a long shot but, if you have paid them in full and can explain the circumstances they may take pity.
Otherwise I'm afraid it's a case of waiting for them to drop off (takes 6 years) and doing what you can to reduce/manage other debts.
Another line of approach would be to contact however registered the CCJs and see if they would be willing to remove them from your file. It's a long shot but, if you have paid them in full and can explain the circumstances they may take pity.
Otherwise I'm afraid it's a case of waiting for them to drop off (takes 6 years) and doing what you can to reduce/manage other debts.
Did you ever receive the claims form from the courts?
I went through a similar thing, letter sent to an old address, and ended up with a CCJ.
Initially i raised the CCJ with the creditor, told them what happened (not living at the address), and invited them to help remove the CCJ.
They failed to respond, so i went to the courts, paid the £255 to have a hearing and filled out the N244 form. Stating that due to the incorrect address used by the creditors, i was not able to defend myself against the claim, otherwise it would have been paid before it reached court.
Had the hearing, courts agreed to remove the CCJ and in addition to that the creditor dropped their request for payment as it was over 6 years old.
I didn't however pay the outstanding amount first, unlike yourself.
If you've had the CCJ for a while, over a year or two, but can demonstrate that you've been keeping up with payments, then i think that it taken into consideration. If the CCJ is new, less that 12 months, then it will make things difficult. Your only option could be to stump up 3 months deposit/rent in advance.
I went through a similar thing, letter sent to an old address, and ended up with a CCJ.
Initially i raised the CCJ with the creditor, told them what happened (not living at the address), and invited them to help remove the CCJ.
They failed to respond, so i went to the courts, paid the £255 to have a hearing and filled out the N244 form. Stating that due to the incorrect address used by the creditors, i was not able to defend myself against the claim, otherwise it would have been paid before it reached court.
Had the hearing, courts agreed to remove the CCJ and in addition to that the creditor dropped their request for payment as it was over 6 years old.
I didn't however pay the outstanding amount first, unlike yourself.
If you've had the CCJ for a while, over a year or two, but can demonstrate that you've been keeping up with payments, then i think that it taken into consideration. If the CCJ is new, less that 12 months, then it will make things difficult. Your only option could be to stump up 3 months deposit/rent in advance.
Robmarriott said:
Bit of background with this one;
In 2017, I was going through a divorce while still living with my ex, in the evenings I'd park in a car park and watch TV on my phone rather than stay at home and argue.
What I didn't realise at the time was that the car park was one which had a 1hr limit, and I ended up with 3 parking tickets from different occasions.
The real problem is, we sold the house and I sold the car to free up some money, and never got any parking ticket paperwork, it went to the old address, which was correct at the time of the tickets, which is the only thing the parking people check, they make no effort to find you because it doesn't make them as much money.
Anyway, the tickets became CCJs because I wasn't aware of them until I ran a credit report in June to find I had 3 CCJs against my name.
Since then, after saving up for months, I've paid them off but they're obviously still affecting my credit score. After my divorce, it was 975, it's now 496.
I'm not trying to dispute the CCJs, it is what it is with them, and it's too late now anyway, I made the error got caught out with strange circumstances but I need to drastically improve my credit score before my tenancy is up in December, when I won't be able to get a new landlord to agree to rent to me, someone with terrible credit, without begging a family member to be a guarantor.
Is there anything I can do?
Hi RobIn 2017, I was going through a divorce while still living with my ex, in the evenings I'd park in a car park and watch TV on my phone rather than stay at home and argue.
What I didn't realise at the time was that the car park was one which had a 1hr limit, and I ended up with 3 parking tickets from different occasions.
The real problem is, we sold the house and I sold the car to free up some money, and never got any parking ticket paperwork, it went to the old address, which was correct at the time of the tickets, which is the only thing the parking people check, they make no effort to find you because it doesn't make them as much money.
Anyway, the tickets became CCJs because I wasn't aware of them until I ran a credit report in June to find I had 3 CCJs against my name.
Since then, after saving up for months, I've paid them off but they're obviously still affecting my credit score. After my divorce, it was 975, it's now 496.
I'm not trying to dispute the CCJs, it is what it is with them, and it's too late now anyway, I made the error got caught out with strange circumstances but I need to drastically improve my credit score before my tenancy is up in December, when I won't be able to get a new landlord to agree to rent to me, someone with terrible credit, without begging a family member to be a guarantor.
Is there anything I can do?
I run a letting agents in the South Nr to Brighton- we would be happy to help if we have a property that is suitable for you - the CCj are generally a no from us but if there is a reasonable explanation which you have said and you are in FT work etc then we would try to help.
Certainly with any agent/landlord if you can show they are paid off and explain why show paperwork then I would hope you will be fine.
Once a CCJ has been fully paid off you can apply to the Court for a Certificate of Satisfaction, which costs £15.
Even if the CCJ remains on your credit file for 6 years the Certificate enables you to show that you haven't just run off and left a judgment unpaid.
https://www.gov.uk/government/publications/form-n4...
By the way, one of the things that interests me is the way CCJs and credit files/ratings appear to attach to a particular name and address. Let's say you're John Smith of 10, High St, Oxford and run off leaving unpaid utility bills. The utility companies may well obtain CCJs against John Smith of that address. But if you've moved on and are now John Smith of 6, Station Road, Warwick I don't think there's any way the big computer in the sky can link you with those CCJs - unless you tell someone your "former address". Others may know more than me....
Even if the CCJ remains on your credit file for 6 years the Certificate enables you to show that you haven't just run off and left a judgment unpaid.
https://www.gov.uk/government/publications/form-n4...
By the way, one of the things that interests me is the way CCJs and credit files/ratings appear to attach to a particular name and address. Let's say you're John Smith of 10, High St, Oxford and run off leaving unpaid utility bills. The utility companies may well obtain CCJs against John Smith of that address. But if you've moved on and are now John Smith of 6, Station Road, Warwick I don't think there's any way the big computer in the sky can link you with those CCJs - unless you tell someone your "former address". Others may know more than me....
rockin said:
Once a CCJ has been fully paid off you can apply to the Court for a Certificate of Satisfaction, which costs £15.
Even if the CCJ remains on your credit file for 6 years the Certificate enables you to show that you haven't just run off and left a judgment unpaid.
https://www.gov.uk/government/publications/form-n4...
By the way, one of the things that interests me is the way CCJs and credit files/ratings appear to attach to a particular name and address. Let's say you're John Smith of 10, High St, Oxford and run off leaving unpaid utility bills. The utility companies may well obtain CCJs against John Smith of that address. But if you've moved on and are now John Smith of 6, Station Road, Warwick I don't think there's any way the big computer in the sky can link you with those CCJs - unless you tell someone your "former address". Others may know more than me....
I think the linked address would quite quickly pick it up electronically.Even if the CCJ remains on your credit file for 6 years the Certificate enables you to show that you haven't just run off and left a judgment unpaid.
https://www.gov.uk/government/publications/form-n4...
By the way, one of the things that interests me is the way CCJs and credit files/ratings appear to attach to a particular name and address. Let's say you're John Smith of 10, High St, Oxford and run off leaving unpaid utility bills. The utility companies may well obtain CCJs against John Smith of that address. But if you've moved on and are now John Smith of 6, Station Road, Warwick I don't think there's any way the big computer in the sky can link you with those CCJs - unless you tell someone your "former address". Others may know more than me....
rockin said:
Caddyshack said:
I think the linked address would quite quickly pick it up electronically.
I suspect you may have missed the point I was making, which is that the addresses would not be "linked". Firestick said:
Borrow to pay the amount off in full, which will show it as satisfied, rather than open.
That, with an explanation will go a long way to how you are perceived.
Please note, the CCJ alone may not be the only thing affecting your credit score.
I've paid it, I had to save up to do it. I wouldn't be able to borrow from anywhere because my credit rating is so crap from the CCJs, they're the only thing showing on my credit report as a negative influencer.That, with an explanation will go a long way to how you are perceived.
Please note, the CCJ alone may not be the only thing affecting your credit score.
rockin said:
Once a CCJ has been fully paid off you can apply to the Court for a Certificate of Satisfaction, which costs £15.
Even if the CCJ remains on your credit file for 6 years the Certificate enables you to show that you haven't just run off and left a judgment unpaid.
https://www.gov.uk/government/publications/form-n4...
Looks like I'll have to do that then, the certificate has to be better than nothing.Even if the CCJ remains on your credit file for 6 years the Certificate enables you to show that you haven't just run off and left a judgment unpaid.
https://www.gov.uk/government/publications/form-n4...
randlemarcus said:
rockin said:
Caddyshack said:
I think the linked address would quite quickly pick it up electronically.
I suspect you may have missed the point I was making, which is that the addresses would not be "linked". I look at peoples credit reports every week for my work.
Gassing Station | Finance | Top of Page | What's New | My Stuff