Unknown uni CCJ now STA dca chasing

[mattew06]

Hello there

 

I found out yesterday that I have a CCJ on my name just by "accident".

I subscribed to a CRA just to check my credit score and I saw that It was issued in 2009 and I didn't know anything about it.

 

After few phone calls I realised that it was done because I didn't pay the second instalment of my university course

( I only attended a semester and then quit without notifying them)

 

I never received anything because I changed address few times back then.

 

I read on the internet that a CCJ "expires" after 6 years whether it's paid or not.

 

Is that true?

 

I would like to find out if a non paid CCJ shows on the history as it is very important for me.

 

I would like eventually to get a mortgage and credit,

I am self employed and I have no problem in managing my money.

I incurred in that silly mistake without knowing how the system worked in the UK.

 

According to this,

in my case,

it has non sense to pay that as It will show for another 6 years in my record

and It will make it difficult to buy a property even if it is satisfied.

 

If I don't pay it and clears off from my credit history,

will it be easier for me to improve the credit score?

 

I hope you can help me in clarifying this

 

thank you

Matteo

[dx100uk]

they got that CCJ by default

 

you 'could' get it set aside

 

it wouldn't have been the uni but some spoofing DCA/fake solicitor.

 

you can check www.trustonline.org.uk

 

to see the details

 

it will fall off your CRA on its 6th birthday.

and will then not hurt you.

 

dx

[fletch70]

The ccj will clear off your credit file after 6 years however technically they never go away. Having said that in order to enforce after 6 years they would have to go back to court and there is a strong chance that it would not be granted.

 

I have two unsatisfied ccjs from the 90's and even the bank said to me they would not enforce it now.

[mattew06]

The ccj will clear off your credit file after 6 years however technically they never go away. Having said that in order to enforce after 6 years they would have to go back to court and there is a strong chance that it would not be granted.

 

I have two unsatisfied ccjs from the 90's and even the bank said to me they would not enforce it now.

 

Thank you guys for your help!

Are you saying that after six years for the banks it's like "nothing" happened? Will I be able to apply for a mortgage or credit card like anyone without a ccj?

Thanks

[renegadeimp]

It wont be as if "nothing happened". But it will be better than having that marker on there. The lenders can still see how long the file has been "clean", and for mortgages etc, lenders are looking at 3-5 years of clear and stable history.

 

In fletch's example, these CCJ's will still be there technically, but there is no way at all they could ever become active or enforceable.

[mattew06]

I see, will I be able to get a mortgage from a bank with a reasonable interest rate after that clears up? Or would I still need to get a ccj mortgage?

[dx100uk]

the CCJ once gone

will NOT effect your mortgage at all

 

as long as there is 'other credit'

on the cra file to show you can manage your finances ok

like a mobile phone/util bills/ etc

 

you'll be ok

 

dx

[fletch70]

It wont be as if "nothing happened". But it will be better than having that marker on there. The lenders can still see how long the file has been "clean", and for mortgages etc, lenders are looking at 3-5 years of clear and stable history.

 

In fletch's example, these CCJ's will still be there technically, but there is no way at all they could ever become active or enforceable.

 

In my opinion it will be as if nothing has happened. No mark on the credit file, almost certainly non enforceable.

Once mine had fallen off my credit file i was able to access large amounts of credit.

[mattew06]

hello guys

I have an update on my case, I'd love your opinion please

 

I got back from my holidays yesterday and I found a letter+ call from STA international debt collectors

where they show me the options in order to repay my debt.

 

In the afternoon they called me again and after a conversation they sent me this email :

 

"Dear Matteo,

 

I have discussed this case with my Manager.

 

The client - University of Westiminster - has taken this overdue balance to court.

 

It has not completed judgement and therefore no CCJ is enforced as yet -

 

however judgement is currently on hold and failure to resolve this issue with the university may lead to the CCJ being enforced.

 

I would suggest that you contact the Solicitor of this case - Hadfileds & Co

(tel 0208 301 0808) to discuss any legal issues.

 

At the same time I would suggest that you also send to us in writing why you dispute this amount

- please do this direct with your account handler -

 

If you have any problems with this email please

feel free to respond directly to my email.

 

Kind Regards"

 

Because I have more than a year left I am afraid that they will send a bailiff or something..what do you think I should do?

 

I don't want to risk anything legally.

 

I just want to get rid of this ccj on my credit report,

 

that's why i am not paying it ( it will start again for 6 years)

 

shall i just ignore this?

 

Thank you

[renegadeimp]

No CCJ has been applied for as you would have gotten the claim pack. They cant issue one then suspend it like that.

 

They are phishing and lying, hoping you will roll over and give them money.

 

Also, why would they tell you to call the solicitor, and a few lines after tell you that you need to talk to the DCA?

[renegadeimp]

Quick question. Have they ever written to your home address? Or has it been by email only?

[dx100uk]

the CCJ is on his cra file.

 

so something is not right here

I think they mean

they have not enforced the CCJ

 

but are minded too.

 

you need to know who the CLAIMANT was

 

if the solicitors nor the DCA

 

are the listed claimant

they can do stuff all.

 

 

have you actually spoken to the finance office of the uni about this CCJ?

 

dx

[mattew06]

Quick question. Have they ever written to your home address? Or has it been by email only?

 

This all happened in 2008/2009 and I didn't know anything about it.

Maybe they sent some letters to the previous address, i moved to my current one 3 years ago.

The reason why the have my current address is because I called the sollicitors last april as soon as I found out about this ccj.

They wrote an email after a telephone call.

[mattew06]

the CCJ is on his cra file.

 

so something is not right here

I think they mean

they have not enforced the CCJ

 

but are minded too.

 

you need to know who the CLAIMANT was

 

if the solicitors nor the DCA

 

are the listed claimant

they can do stuff all.

 

 

have you actually spoken to the finance office of the uni about this CCJ?

 

dx

 

I haven't spoken to them, the claimant is the university of westminster

[renegadeimp]

You could get it set aside... but first, folloe dx's advice on who the named company is on the CCJ.

[mattew06]

You could get it set aside... but first, folloe dx's advice on who the named company is on the CCJ.

 

If i manage to get it as side, doesn't it stay on my CRA for extra 6 years?

[renegadeimp]

No. If you are successful with a set aside application, the CCJ is gone. The claimant would have to start over. Thats why DX said to check who the named company is. If it isnt any of those that are chasing you, then they cant do anything anyway. Only the named claimant can enforce action.

[mattew06]

No. If you are successful with a set aside application, the CCJ is gone. The claimant would have to start over. Thats why DX said to check who the named company is. If it isnt any of those that are chasing you, then they cant do anything anyway. Only the named claimant can enforce action.

 

Are you saying that I only should be worried if I get letters from the uni or their sollicitors?

 

I am afraid that going through the process of setting it aside,

the whole thing will start over and I'll have to wait 6 more years

 

Sorry guy i am not very practical with this, thanks for the patience

[renegadeimp]

Im saying you need to follow dx's advice before we go into what if scenarios. get the facts on the CCJ first and we can take it from there.

[dx100uk]

at this stage i'd not hope toward a set aside.

 

ideally you need to see the judgement box

to find out what was decide

and who the claimant is.

 

it might well be true that hadfields were the uni solicitor

then that is for them to sort out

NOT the DCA nor pay the DCA.

 

sadly you've started to ball rolling now.

 

however. i'd stay off that phone to that dca

 

writing only.

 

you are in the info gathering stage here.

 

if you didn't inform them of a change of address then the set aside will be p'haps pointless

 

lets see

 

dx

[mattew06]

at this stage i'd not hope toward a set aside.

 

ideally you need to see the judgement box

to find out what was decide

and who the claimant is.

 

 

dx

 

How do i find it out?

[mattew06]

Actually I did check my status on trustonline and nothing is registred there

[dx100uk]

really?

 

sure you put the correct address in?

 

if its listed in the CRA data its there somewhere.

 

the only way might be to phone the court

 

prob northants bulk,

 

but you need the CCJ number.

 

and ask for a copy.

 

my pers view is that I would not be conversing on the phone to any dca/solicitor now.

 

going by research and my gut feeling

 

i'd say the uni don't even know a ccj was obtained

 

dx