Can anyone help - unknown CCJ
Discussion
As per title really. I've started a new job and at application they asked if I had any ccj's (amongst other things) and to my knowledge honestly answered no - but they've found a CCJ from 4 years ago to which I have no knowledge. I'd previously been living in a property with dubious post - but I'm someone who keeps their finances in order. Is there anyway to get rid of it??
Petrus1983 said:
As per title really. I've started a new job and at application they asked if I had any ccj's (amongst other things) and to my knowledge honestly answered no - but they've found a CCJ from 4 years ago to which I have no knowledge. I'd previously been living in a property with dubious post - but I'm someone who keeps their finances in order. Is there anyway to get rid of it??
A quick google....you can check the details of a CCJ on the Register of Judgments, Orders and Fines, also commonly known as the “CCJ register.” The CCJ register is maintained by the Registry Trust and can be accessed online for a small feeHere... https://rojof.org.uk/
Petrus1983 said:
As per title really. I've started a new job and at application they asked if I had any ccj's (amongst other things) and to my knowledge honestly answered no - but they've found a CCJ from 4 years ago to which I have no knowledge. I'd previously been living in a property with dubious post - but I'm someone who keeps their finances in order. Is there anyway to get rid of it??
Have you checked your credit report?Sarnie said:
Have you checked your credit report?
Basically no. I don't have any credit cards, I don't have an overdraft and last year bought my new home outright- so haven't needed to. This has come as a surprise to me - hence why trying to sort it. On a sideline - hope you've had a good year Sarnie - we're old buggers in these parts
Saleen836 said:
Petrus1983 said:
As per title really. I've started a new job and at application they asked if I had any ccj's (amongst other things) and to my knowledge honestly answered no - but they've found a CCJ from 4 years ago to which I have no knowledge. I'd previously been living in a property with dubious post - but I'm someone who keeps their finances in order. Is there anyway to get rid of it??
A quick google....you can check the details of a CCJ on the Register of Judgments, Orders and Fines, also commonly known as the “CCJ register.” The CCJ register is maintained by the Registry Trust and can be accessed online for a small feeHere... https://rojof.org.uk/
Petrus1983 said:
Thanks Saleen - I'm definitely on it - need to know how to get off it. Feel like I'm in the old fashioned stocks with old fruit being thrown at me.
You'll need to find out how you got the CCJ to be able to have it removed. It's there for a reason, and it won't be just because you got some dodgy letters at a previous address. CCJs are associated with a person, not an address.The most likely explanation, if I had to guess, is not updating your address somewhere so that all the correspondence - and there would've been plenty of it in your name - got sent somewhere you no longer lived. If you can find out where the debt came from, and show that you didn't receive any paperwork, you can apply to have it set aside. If you haven't found it already: https://www.gov.uk/county-court-judgments-ccj-for-...
Best of luck getting it sorted.
Petrus1983 said:
Basically no. I don't have any credit cards, I don't have an overdraft and last year bought my new home outright- so haven't needed to. This has come as a surprise to me - hence why trying to sort it.
On a sideline - hope you've had a good year Sarnie - we're old buggers in these parts
Then thats what you should do, it will show on there along with who registered it, the amount and the dates.....On a sideline - hope you've had a good year Sarnie - we're old buggers in these parts
sign up for one month with CheckMyFile
they are the only site that i know of that supply your credit report from all 4 agencies and who will actually offer actionable advice to help, rather than just upsell you! I've been using them for years to monitor my credit file- which feels really critical these days!
they are the only site that i know of that supply your credit report from all 4 agencies and who will actually offer actionable advice to help, rather than just upsell you! I've been using them for years to monitor my credit file- which feels really critical these days!
I'm confused.
If a CCJ has been obtained against "you" then it's obviously in your name. But if your former address with a chequered history acquired its chequered history under the names of former occupiers, how would the CCJ be in your name?
If this CCJ is against "John Smith of 55 Argyle Terrace, Old Town" how does your prospective employer come to find out that's the same John Smith as you, now of "32 Acacia Ave, New Town"?
If a CCJ has been obtained against "you" then it's obviously in your name. But if your former address with a chequered history acquired its chequered history under the names of former occupiers, how would the CCJ be in your name?
If this CCJ is against "John Smith of 55 Argyle Terrace, Old Town" how does your prospective employer come to find out that's the same John Smith as you, now of "32 Acacia Ave, New Town"?
PugwasHDJ80 said:
sign up for one month with CheckMyFile
they are the only site that i know of that supply your credit report from all 4 agencies and who will actually offer actionable advice to help, rather than just upsell you! I've been using them for years to monitor my credit file- which feels really critical these days!
https://www.checkmyfile.partners/64DNC44/2CTPL/they are the only site that i know of that supply your credit report from all 4 agencies and who will actually offer actionable advice to help, rather than just upsell you! I've been using them for years to monitor my credit file- which feels really critical these days!
Panamax said:
I'm confused.
If a CCJ has been obtained against "you" then it's obviously in your name. But if your former address with a chequered history acquired its chequered history under the names of former occupiers, how would the CCJ be in your name?
If this CCJ is against "John Smith of 55 Argyle Terrace, Old Town" how does your prospective employer come to find out that's the same John Smith as you, now of "32 Acacia Ave, New Town"?
CCJ's are issued to individuals, not addresses.If a CCJ has been obtained against "you" then it's obviously in your name. But if your former address with a chequered history acquired its chequered history under the names of former occupiers, how would the CCJ be in your name?
If this CCJ is against "John Smith of 55 Argyle Terrace, Old Town" how does your prospective employer come to find out that's the same John Smith as you, now of "32 Acacia Ave, New Town"?
Sarnie said:
CCJ's are issued to individuals, not addresses.
True. Our neighbour made a habit of "accidentally" using our address on credit cards, loans etc and then defaulting on them. I have checked our credit reports numerous times since just to be sure and there is nothing on there.OP - the credit report the company ran should have some details of the CCJ like court, ref, date etc. That should give you a start to find out what it is about.
Sarnie said:
CCJ's are issued to individuals, not addresses.
Very obviously. But you've missed the point, which is that when you move house you leave your CCJs behind at that address. (*)Here the OP left this CCJ behind and the only reason it's come to light is either,
(a) He's the only Xavier Zurbangle in the country and easy to find in any search, or
(b) He's one of many John Smiths and has given someone a list of former addresses, which seems a little odd for a job application.
(*) Which is why utility companies and local authorities are constantly nailed by people who keep changing address and leaving their bills behind. Yes, it "shouldn't" happen but it "does" happen. A CCJ is all very well but it achieves nothing unless the specific person can be identified after they've blended back into the crowd.
Panamax said:
Sarnie said:
CCJ's are issued to individuals, not addresses.
Very obviously. But you've missed the point, which is that when you move house you leave your CCJs behind at that address. (*)Here the OP left this CCJ behind and the only reason it's come to light is either,
(a) He's the only Xavier Zurbangle in the country and easy to find in any search, or
(b) He's one of many John Smiths and has given someone a list of former addresses, which seems a little odd for a job application.
(*) Which is why utility companies and local authorities are constantly nailed by people who keep changing address and leaving their bills behind. Yes, it "shouldn't" happen but it "does" happen. A CCJ is all very well but it achieves nothing unless the specific person can be identified after they've blended back into the crowd.
If I pull up my credit files it knows where I have lived - it is why an application for credit etc. will say have you lived here for more than xx years - if not, what were your addresses in the last 5 years...
clearly for someone who has no credit / no footprint in the digital world then it is possible to move through life without being tracked, and for the criminal of mind they won't necessarily answer questions accurately - so there are exceptions - but the vast majority of the honest population will have credit if only for a mobile phone and will be traceable
Panamax said:
Very obviously. But you've missed the point, which is that when you move house you leave your CCJs behind at that address. (*)
Here the OP left this CCJ behind and the only reason it's come to light is either,
(a) He's the only Xavier Zurbangle in the country and easy to find in any search, or
(b) He's one of many John Smiths and has given someone a list of former addresses, which seems a little odd for a job application.
(*) Which is why utility companies and local authorities are constantly nailed by people who keep changing address and leaving their bills behind. Yes, it "shouldn't" happen but it "does" happen. A CCJ is all very well but it achieves nothing unless the specific person can be identified after they've blended back into the crowd.
Although the OP won't have given his previous addresses I believe that Credit Reference agencies have the ability to link previous addresses to current addresses. So Op might have put on his application formHere the OP left this CCJ behind and the only reason it's come to light is either,
(a) He's the only Xavier Zurbangle in the country and easy to find in any search, or
(b) He's one of many John Smiths and has given someone a list of former addresses, which seems a little odd for a job application.
(*) Which is why utility companies and local authorities are constantly nailed by people who keep changing address and leaving their bills behind. Yes, it "shouldn't" happen but it "does" happen. A CCJ is all very well but it achieves nothing unless the specific person can be identified after they've blended back into the crowd.
Joe Bloggs, I Acacia Avenue, Gloucestershire
The Credit reference agency will also know that "Joe Bloggs" previously lived at 23 Acaster Avenue, 499 Scumville Street, and Flat 4, PH Towers.
p.s. I'm reliably informed by one of our audit staff that Credit Reference agencies use data matching such as date of birth, mobile phone number, email addresses, electoral roll and so on to create a "profile"
akirk said:
except that for most people the various agencies are very easily able to connect the addresses - I live at no 1 Acacia Avenue and have a mobile phone contract (= credit) - I move to no 33 The Crescent and tell the phone company I have moved house... they now have a link across the two addresses...
If I pull up my credit files it knows where I have lived - it is why an application for credit etc. will say have you lived here for more than xx years - if not, what were your addresses in the last 5 years...
clearly for someone who has no credit / no footprint in the digital world then it is possible to move through life without being tracked, and for the criminal of mind they won't necessarily answer questions accurately - so there are exceptions - but the vast majority of the honest population will have credit if only for a mobile phone and will be traceable
In addition to the electoral roll. If you register to pay council tax, you will be added to the electoral roll which will then link your address history to your credit file........this is how debt recovery and bailiff's find people.If I pull up my credit files it knows where I have lived - it is why an application for credit etc. will say have you lived here for more than xx years - if not, what were your addresses in the last 5 years...
clearly for someone who has no credit / no footprint in the digital world then it is possible to move through life without being tracked, and for the criminal of mind they won't necessarily answer questions accurately - so there are exceptions - but the vast majority of the honest population will have credit if only for a mobile phone and will be traceable
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