CCJs paid in full - Pre Employment check

[bowcreek]

Dear members, I received 3 x CCJs last year to do with Private parking firms but every time came across them well on time with help of my credit score agency and decided to pay up in full within 1 month of judgement date.

 

 

Just checked for any judgements for peace of mind by paying up for a report via https://www.rtlproduction.com/search.aspx and report says "Nothing Registered"

 

 

Question is - I've been offered a job which needs an external company to carry on pre employment checks and one of the questions on the form is

 

 

"Have you ever had civil proceedings taken against you by creditors e.g CCJ or IVA?, if yes please provide details."

 

 

What is the right thing to do? Should I say No based on report I just ran? Or should I say yes and put a note explaining why did I get it (all comms sent to wrong address and claimant won by default) and that its all paid up in full?

 

 

How do these agency check such record?

 

 

thanks

[brassnecked]

If all paid up within the 28 dys, no judgment registered, so nothing for them to see.

[renegadeimp]

Just tell them no. Nothing will appear on any record because nothing is entered until 28 days after the CCJ is granted.

[lookinforinfo]

It is a shame you didn't challenge the CCJs rather than just pay them.

However whichever strategy you followed, strictly speaking civil proceedings have been taken against you. I don't know if there is a way to find out whether you have been taken to Court for a debt perhaps by checking Court records at the time of the hearing. The problem is that if you say no and it later transpires that records are found you could be in far more serious trouble than admitting what happened and how you resolved them.

I understand the predicament you are in and the fact that nothing is showing on the CCJ register. However by saying no, which is untrue, you could miss out on this job.

[renegadeimp]

Doesnt matter if proceeding were taken. Nothing is on the register so the CCJ doesnt exist. Payment within 28 days wipes it.

[dx100uk]

Not sure they understand what they are asking..

An iva is not civil proceedings.

 

Type out the question verbatum please

[bowcreek]

Not sure they understand what they are asking..

An iva is not civil proceedings.

 

Type out the question verbatum please

 

I copied and pasted the question from the form as is.

[bowcreek]

It is a shame you didn't challenge the CCJs rather than just pay them.

However whichever strategy you followed, strictly speaking civil proceedings have been taken against you. I don't know if there is a way to find out whether you have been taken to Court for a debt perhaps by checking Court records at the time of the hearing. The problem is that if you say no and it later transpires that records are found you could be in far more serious trouble than admitting what happened and how you resolved them.

I understand the predicament you are in and the fact that nothing is showing on the CCJ register. However by saying no, which is untrue, you could miss out on this job.

 

No hearing or anything happened. All 3 were judgements by default because claims were sent to old address where vehicle was left registered unfortunately. I figured out each time via my credit file alerts.

[dx100uk]

Pers id say no then

[lookinforinfo]

I appear to be in the minority here. If you are not going to admit it bear in mind a couple of things. Even though you say there was no hearing because you weren't there, each case was heard in Court as they didn't know you weren't going to be there. So there will be a record at that Court with the name of the parking company and your name on that date. Also in the future what would you do if in a position of authority you had to make a decision about an employee who had lied on their application.

 

You could try ringing one of these vetting type on companies and ask if they could trace someone who had paid off a ccj within a month .[You might have to make up some story that your company is looking for that kind of service as financial probity is very important in your profession and is that the sort of service that they could provide].

 

The other question I have is how did you not manage to prevent the second and third tickets from going to Court. A mail redirect would surely have nipped them in the bud.

[Ethel Street]

I appear to be in the minority here. If you are not going to admit it bear in mind a couple of things. Even though you say there was no hearing because you weren't there, each case was heard in Court as they didn't know you weren't going to be there. So there will be a record at that Court with the name of the parking company and your name on that date. Also in the future what would you do if in a position of authority you had to make a decision about an employee who had lied on their application.

 

I'll join you in that minority. The question the employer check asks isn't "Have you ever had a CCJ?" it's "Have you ever had civil proceedings taken against you by creditors?" A CCJ is just an example. So is the answer to the question they actually ask 'Yes' or 'No'?

[ericsbrother]

TBH they wont give a toss about a CCJ from a parking co when you moved house,

it is not about whether you can manage your finances or not which is what they are interested in.

 

If you say no then if they search the register will your name appear?

they cant do a search for names of people were sued whose cases were settled becuase no such list exists.

 

Again, what about if you were taken to court and the judge decided the claimant was an out and out rogue,

that wouldnt appear on the list of claim numbers and names so when they ask about this they are saying FOR EXAMPLE as their list isnt exhaustive and certainly isnt accurate when considering the question.

 

People who sue arent always creditors.

You could be sued for damages caused by your dog biting next doors cat

so a CCJ for that wouldnt need to be nentioned even though you hadnt paid the order

 

So whatever you say wont be wrong or right because it isnt a proper question.

Edited September 7, 2018 by dx100uk
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