CCJ Question

[jfk1958]

Hi some help needed. What is the position if a CCJ is awarded against someone who lives in a house i own and this address is used. Will this be linked to me in any way I.e Affect my credit rating.

Many thanks

[Percy Flage]

Will the CCJ have your name on it? An answer of "No" will answer your question.

[StevieBee]

Percy Flage said:

Will the CCJ have your name on it? An answer of "No" will answer your question.

...unless you live in the same house and use that address when applying for credit. Even then, it shouldn't be an issue but check your credit rankings to make sure that it's not on there as things like this have a habit if rearing their head when you least need it,

[mcflurry]

AFAIK credit history is tied to an individual, not a building, unless you are financially linked (or example husband and wife share joint account)

[DonnyMac]

jfk1958 said:

Hi some help needed. What is the position if a CCJ is awarded against someone who lives in a house i own and this address is used. Will this be linked to me in any way I.e Affect my credit rating.

Many thanks

Depends if that someone also has a share in the house; ie if your misses is on the Land Registry as having an interest in the house, then gets a CCJ, doesn't pay it, a charging order can go on the house and then it will affect you.

This is not uncommon.

If the person with a CCJ has no interest in the property you have nothing to worry about.