• Welcome to the LegalBeagles Consumer and Legal Forum. Please register to get the most out of the forum. Registration is free and only needs a username and email address.
  • Please note that LegalBeagles is a public forum and the main areas are accessible to all, and as such, please take care your username or posts do not identify you. There is no need to post claim numbers, names or precise amounts to get support with your case. When uploading documents please ensure that you have properly redacted your personal details. Thank you.

CCJ question (at a previous address)

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • CCJ question (at a previous address)

    Hello all. Quick question...

    I was unfortunate enough to pick up a CCJ in December 2009 that I didn't (and still don't) have a clue about as I moved from the address it was registered at in March 2008. When i've applied for my credit reports with Experian and Equifax it doesn't show up as they only require you to provide six years address history. It does however show on my noddle report as it's a 'linked' address (noddle shows my address history back to 2004). So my question is what would be reported to a potential lender if I applied for credit, what would be reported back to a potential lender, just the last six years or everything?
    Tags: None

  • #2
    Re: CCJ question (at a previous address)

    Good morning Astro,

    The CCJ should be removed from all CRA files 6 years after the date of judgement.

    There's been quite a few complaints about Noddle/Call Credit displaying out of date
    information.

    I think you should make a formal complaint to Noddle requiring them to remove the record
    of the linked address and the " expired" CCJ.

    Address to the Data Controller and use signed for post.

    Meanwhile phone Noddle and request a notice of correction/dispute on the entry, you
    may be able to do this online, I'm not sure.

    nem
    The advice I give and draft letters provided are drawn from personal experience and career training and are given freely and without liability.

    Please make your own decisions with care and if necessary seek qualified legal advice. I will not advise by private message. If you'd like me to look at your post please tag me in your post by typing @nemesis45;.

    If you receive messages from anyone offering advice for a fee please report it to the site team.


    Animo et fide.

    Comment


    • #3
      Re: CCJ question (at a previous address)

      Hi Nem. The CCJ won't expire till December this year, apologies I got my date wrong it was 2010, I moved from the address in march 2008, hence why I didn't know anything about it. It didn't show up on my Experian or Equifax reports as they haven't made the same address link that Noddle have. I'm assuming they do link in the background but don't send you the information when you request a copy of your file. Equifax don't apparently have any financial links between my partner and myself despite us sharing a bank account for the last fifteen years

      Comment


      • #4
        Re: CCJ question (at a previous address)

        Originally posted by Astro View Post
        Hi Nem. The CCJ won't expire till December this year, apologies I got my date wrong it was 2010, I moved from the address in march 2008, hence why I didn't know anything about it. It didn't show up on my Experian or Equifax reports as they haven't made the same address link that Noddle have. I'm assuming they do link in the background but don't send you the information when you request a copy of your file. Equifax don't apparently have any financial links between my partner and myself despite us sharing a bank account for the last fifteen years
        Hi Astro,

        If the links to your ex are no longer of any relevance send a formal letter of disassociation requesting all links to
        be removed from Noddle / call credit files.

        nem
        The advice I give and draft letters provided are drawn from personal experience and career training and are given freely and without liability.

        Please make your own decisions with care and if necessary seek qualified legal advice. I will not advise by private message. If you'd like me to look at your post please tag me in your post by typing @nemesis45;.

        If you receive messages from anyone offering advice for a fee please report it to the site team.


        Animo et fide.

        Comment


        • #5
          Re: CCJ question (at a previous address)

          Hi again. They're relevant and exist with Noddle, just none of the other agencies seems to make the same links which I find odd. I'm wondering if what they provide as part of their statutory request response differs from that which they provide to lenders?

          Comment


          • #6
            Re: CCJ question (at a previous address)

            Originally posted by Astro View Post
            Hi again. They're relevant and exist with Noddle, just none of the other agencies seems to make the same links which I find odd. I'm wondering if what they provide as part of their statutory request response differs from that which they provide to lenders?
            Should be the same data.

            nem
            The advice I give and draft letters provided are drawn from personal experience and career training and are given freely and without liability.

            Please make your own decisions with care and if necessary seek qualified legal advice. I will not advise by private message. If you'd like me to look at your post please tag me in your post by typing @nemesis45;.

            If you receive messages from anyone offering advice for a fee please report it to the site team.


            Animo et fide.

            Comment


            • #7
              Re: CCJ question (at a previous address)

              certainly doesn't seem to be, that said they only ask for six years address details. I registered for Noddle back in 2013 so I suppose they must have made the link back then and stuck with it. I think i'll see how it goes with my SB case and if all goes to plan look to get this one setaside and paid. Problem is I haven't got a clue who its from and it was only for 388 including costs....annoying

              Comment


              • #8
                Re: CCJ question (at a previous address)

                Originally posted by Astro View Post
                Problem is I haven't got a clue who its from and it was only for 388 including costs....annoying
                Use the trust Online system to find out more about this CCJ: http://www.trustonline.org.uk/search-yourself. You have to use the address that would have been used for the CCJ, or it won't find it.

                Comment


                • #9
                  Re: CCJ question (at a previous address)

                  I'll give it a bash, thanks. Shame I have to pay to find out public information about myself lol

                  Comment

                  View our Terms and Conditions

                  LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

                  If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.


                  If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.

                  Announcement

                  Collapse
                  No announcement yet.
                  Loading...

                  upgrade to vip

                  Want exclusive access to forums, more privacy and a live chat box? Upgrade to become a bigger part of our community.

                  only £15/yr

                  Offers available. No subscription traps.

                  sign up now



                  Search and Compare fixed fee legal services and find a solicitor near you.

                  Find a Law Firm


                  Working...
                  X