Hi, Very new to this, but have been informed that this is good site to getanswers, so here I go! I have recently checked my credit reports from Experian and Equifax and have noticed that a CCJ isn’t shown on them. I have also check the registryonline and it’s not shown on there either. The court case was back in 2009 andI have been paying the judgement amount since. Has this happened to anyone else and what does this mean? Do I have a CCJ or not? Thanks

http://www.bbc.co.uk/news/business-11747016

Posting on behalf of a new Cagger with low post count. Thanks for this. 'Shock tactics' used by some Bailiffs www.bbc.co.uk

I really need some advice before heading to the bank tomorrow. I wanted to get a loan for a new car so i thought id better check my credit rating first, ive recently finished university so have moved around a bit on the electoral register, but have been registered at my dads for the past year and have always had my main bank account, phone bills etc and all inland revenue letters go there. I opened a lloyds account in 2006, which had an interest free overdraft of £500, i never made this my main account as i had an account at abbey which my salary went into, it was a platinum account costing £10 a month i just opened it for the perks really. i used the overdraft sometimes and always payed it back. The last time i recall using the card i believe was in 2009/10, at which time i registered the card to mums address in london as i wanted the correspondence going there due to me going off to university. I am pretty certain once i cleared the overdraft i cut up the card, along with the credit card that came with that account as i didnt want to take any debt to university with me. But i checked my credit report on 'noddle' today and there is default against my name for this account! The account opened in 2006, and up until february 2011 the account was 'green'meaning 'OK' i did use the overdraft during this period but as i said i never went over the limit and always cleared it. In January 2011 the balance on it was £0 and then in february 2011 it went up to £557. and precede to go up every month until April 2012! And from february it shows up as 'orange' until april meaning it was over the limit and 'agreed repayemnets are up to 2 months late and standing orders, direct debits or cheques have bounced'!!!! Then in May its in the 'red' meaning 'agreed repayments are now three months late and you have agred new repayments with the lender', it stays like this until Januray 2012 by which it then goes 'red' meaning 'DEFAULT', consecutively until April 2012! I have NOT used this card, i am pretty certain i destroyed it along with the credit card but it was a few years ago so i cant be 100% certain but i mean i am 95% sure. I am So worried, i am distraight that i now have defaults against me, i have worked really hard all during university to ensure i kept good credit, and have never ever had a default before and that with having taken out 2 loand previosuly and never missing a payment on one, and paying the other back early, im good with my finances. this has taken me for 6, im scared for my credit score now, and dont know where to begin with fixing this, i havent got the card anymore as i said earlier pretty certain i cut it up with c/card. (the c/card btw was also with lloyds tsb and thats been inactive since 2008 with nothing outstanding) and got rid of the paperwork, the only paperwork i have is of the c/card. On the noddle report in a tab called search history, it shows up my mums old address and a search was done by moorcroft debt recovery on th 02/02/2012.. ..which is a month after the first default on the account, is this who i need to get in contact with? or do i go straight to the bank? please any advice i would greatly appreciate. very lost right now and scared!