Thanks. CCJs do not affect employment generally but some regulated FSA positions do require credit scoring. Many employers would be happy to accept your explanation in this respect and the impact of a CCJ is reduced because it is shown as satisfied. However employers by definition can be variable in this respect.
If credit scoring is required for your position you would do well to consider answering any such questions asked of you honestly as failure to disclose can be potentially fraudulent and a basis for dismissal.
There are further steps you can look to take however to potentially remove the CCJ from your file. You can consider making an application to set the judgement aside using form N244.You will need to give a statement explaining the position and ask the judge to set aside the default judgement on the basis that you did not receive papers and that had you done so the matter would have been settled. You will need to explain why you are so late in making the application to explain the delay. You will have to pay £85 fee with your application.
Assuming the application is successful the claimant will be back to square one and the CCJ removed. You will need to demonstrate that you have not delayed the application from the point you discovered it and you can demonstrate that you claim that you did not receive papers and that is why you did not respond to them.
I cannot say that at this point your application will be successful because there has been substantial delay on her part. However if you may consider that the potential benefit is worth the application fee and of course you could advise your employer that you have also made an application to set aside the CCJ.
Does the above answer all your questions or is there anything I can clarify or help with any further?
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