Equifax Credit Report

[Gerry865]

I am wanting to change my Business Bank Account to Barclay's from Nat West. When I saw the Business Manager, he did a credit check, and it showed a CCJ dated 2/8/06. On 2/11/06, I went into an IVA, and the amount of the CCJ went into the IVA. How do I show to Barclay's that the CCJ was not acted on, as they will not let me open an account with this CCJ. Any advise would be appreciated.

[Jamesx81x]

Hi

 

How do you mean not acted on? Even though you entered an IVA if the CCJ has been issued correctly then it will remain on your file for 6 years i am afraid. The IVA is just a way of making payment to your creditors, financial information that is entered on to your files if correct will remain there until the date of drop off.

 

Hope that helps!

[MARTIN3030]

Yes they are strict on this.

When I applied for my Barclays business account they pulled me up over a CCJ from 5 years earlier that had been settled (it was only for 21.00 too)

 

It was only because my partner who was a joint applicant, had a clean record that the account was granted.

[banker_rhymes_with]

Are you sure you want to bank with Barclays?

 

Can't get far enough away from them myself.

 

Cheers,

BRW