UK Law

Get UK Law Questions Answered by Verified Experts

Ask an Expert,
Get an Answer ASAP!

This answer was rated:

I have recently had a credit check done against myself and…

I have recently had a...
I have recently had a credit check done against myself and Equifax have shown that I have a CCJ against my name, but will not tell me who from how do I find this out?
Show More
Show Less
Ask Your Own UK Law Question
Answered in 18 minutes by:
6/24/2010
Jo C.
Jo C., Barrister
Category: UK Law
Satisfied Customers: 71,546
Experience: Over 5 years in practice.
Verified
Do you know from how long ago?
Ask Your Own UK Law Question
Customer reply replied 8 years ago
May 2009, but I have lived at 2 different address since then, and when I first moved out of the house the CCJ has been served to I gave my forwarding address to the Letting Agent?

 

You can do a credit check on Experian and that will reveal the CCJ and the identity of the other party. It will also reveal contact information.

 

Experian used to be free but I think they are now charging something in the region of £5.99 for that service. Make sure you cancel immediately afterwards though to avoid monthly fees.

Ask Your Own UK Law Question
Customer reply replied 8 years ago
My experian credit check says I do not have a CCJ!! Only equifax, but they want proof that I am who I say I am.... which takes 2 weeks! So now I am really stuck!!!!

 

Experian is pretty accurate usually.

 

I wouldn't worry about this though. Even if you do have a CCJ, if you did not receive the papers and you let people know where you were living, it will probably be possible to set it aside.

Ask Your Own UK Law Question
Customer reply replied 8 years ago
How do I go about doing that though? Do I contact the court? How long does it take etc?

Yes, you make an application to the court to get it set aside. I can give you a link to a site with template letters if you'd like.

 

If I've answered your original question please click on accept so that I can get feedback. I will continue to help.

Jo C.
Jo C., Barrister
Category: UK Law
Satisfied Customers: 71,546
Experience: Over 5 years in practice.
Verified
Jo C. and 87 other UK Law Specialists are ready to help you
Ask your own question now
Customer reply replied 8 years ago
That would be amazing, also if you could give me a time frame, not accurate of course just somehting I can tell the job I have applied for??
Customer reply replied 8 years ago

Will these tell me how long I have?

for what?
Ask Your Own UK Law Question
Customer reply replied 8 years ago

until the CCJ could be removed? If I contact them at 9am tomorrow morning, and if they need a latter, send that letter recorded same day delivery, ho wlong do you think I will have to wait before my credit report will be cleared?

Oh it does take weeks if not months. Nothing about legal action is quick I'm afraid.
Ask Your Own UK Law Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a solicitorLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask Jo C. Your Own Question
Jo C.
Jo C.
Jo C., Barrister
Category: UK Law
Satisfied Customers: 71,546
71,546 Satisfied Customers
Experience: Over 5 years in practice.

Jo C. is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

A quick response, a succinct and helpful answer in simple English. I believe I can now confront the counter party with confidence -- worth the 30 bucks!

RickLeeds, UK

I did not know a French Law service existed and I was very impressed with the speed of reply --- very professional. Many thanks!

Ms. BakerAlfafar, Spain

Thank you so much for your help. Your answers were really useful and came back so quickly. Great!

MaggieUSA

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!!

AlexLos Angeles, CA

Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult.

GPHesperia, CA

I couldn't be more satisfied! This is the site I will always come to when I need a second opinion.

JustinKernersville, NC

< Previous | Next >

Meet the Experts:

Ben Jones

Ben Jones

UK Lawyer

9,256 satisfied customers

Qualified Solicitor

INC

INC

Solicitor-Advocate

3,868 satisfied customers

LL.B, Pg.Dip, LL.M, M.B.A (Pending), Solicitor-Advocate. UK Practising Certificate issued by SRA., DIFC Courts Registered (Dubai)

Jenny Mackenzie

Jenny Mackenzie

2,760 satisfied customers

Over 10 years experience in general legal matters

Matthew J

Matthew J

Solicitor

334 satisfied customers

4 y PQE (Partner) - Commercial / Residential Property & Property and Civil litigation experience

James Mather

James Mather

7,349 satisfied customers

Senior Partner at Berkson Wallace

Clare

Clare

Solicitor

9,513 satisfied customers

family solictor with 25 years experience

Thomas

Thomas

Lawyer

2,177 satisfied customers

BA (Hons), PgDip, Practising Solicitor

< Previous | Next >

Related UK Law Questions
I have a set-aside hearing tomorrow CCJ registered against
I have a set-aside hearing tomorrow for a CCJ registered against me in 2011, however I only found the CCJ had been registered against me in December 2015 when I had an application for business overdra… read more
Buachaill
Buachaill
Barrister
Master\u0027s Degree
2,979 satisfied customers
I have recently applied naturalisation and I am concerned
Hi, I have recently applied for my naturalisation and I am concerned about the good character section. Only when I started reading into it etc ...at my current address I had money issues with paying m… read more
ivorylounge
ivorylounge
44 satisfied customers
Hi Daniel, I have recently been made aware of a ccj against
Hi Daniel, I have recently been made aware of a ccj against me as an individual, that has been made by a company that has now folded. Can the debt be chased by anybody else, and as the debt doesn't ac… read more
James Mather
James Mather
7,349 satisfied customers
I found that CCJ has been obtained against my property, that
I found that CCJ has been obtained against my property, that I do not live in. I want now to appeal against a decision as I do not liable for the debt that has been actually put against my name.… read more
James Mather
James Mather
7,349 satisfied customers
My son had a relationship break up and they split their debts
My son had a relationship break up and they split their debts and paid them off individually in 2007/8. 2 years ago a Debt C.A. sent a letter to my address demanding £3001. We wrote and said we knew n… read more
Jo C.
Jo C.
Barrister
Master's Degree
71,546 satisfied customers
I have a very complicated situation. I am in the process of
I have a very complicated situation. I am in the process of buying my own place. The Leeds Mortgage Company have done a credit check in my name. Basically what happened was, I received my credit score… read more
Aston Lawyer
Aston Lawyer
Head of Residential Property
LLB (HONS)
3,813 satisfied customers
I have had a CCJ issued against me for a relatively small amount
I have had a CCJ issued against me for a relatively small amount by a loan company. I did not have a chance to defend or see the application prior to judgement because this went to the wrong address (… read more
Jo C.
Jo C.
Barrister
Master's Degree
71,546 satisfied customers
A CCJ has just been made to me, I would like to pay the amount
A CCJ has just been made to me, I would like to pay the amount in full to the claimant within 28 days. What is the form i must use?… read more
UK-Justice
UK-Justice
Master's Degree
10,176 satisfied customers
I have just discovered a CCJ registered against my name on
I have just discovered a CCJ registered against my name on my credit file dating back to 2008. the reference shows Northampton County Court - how do i find out what it is for and which organisation di… read more
Alice H
Alice H
Solicitor of the Senior Courts
Bachelor\u0027s Degree
2,008 satisfied customers
I would like to know how to find out whether I have any CCJ
I would like to know how to find out whether I have any CCJ or defaults and how to remove them as I would like to get a mortgage and loan for marriage… read more
Joshua
Joshua
Lawyer
LL.B (Hons), Prof. Dip. Law & Pract
14,210 satisfied customers
I am with a debt management company, Gregory Pennington and
I am with a debt management company, Gregory Pennington and I have recently found out that one of the credit card companies have past on my deby to a collection agency who have started CCJ proceedings… read more
Jo C.
Jo C.
Barrister
Master's Degree
71,546 satisfied customers
Please I need urgent advice on the following issue I have
Please I need urgent advice on the following issue: I have put in for a small courts claim for a refund of damaged furniture, because the trader did not reply to any emails, letters or telephone calls… read more
Jo C.
Jo C.
Barrister
Master's Degree
71,546 satisfied customers
If you find out after asking for your credit report from Equifax.
If you find out after asking for your credit report from Equifax. There is inaccurate data held about you which has cause you from being able to obtain credit. Although for years you have had an excel… read more
Jo C.
Jo C.
Barrister
Master's Degree
71,546 satisfied customers
Hi, Im really hoping you can help. Myself and 3 friends set
Hi, I'm really hoping you can help. Myself and 3 friends set up a ltd company a couple of years ago, it onlylast about 8 months or so before the business idea we had proved unsuccessfull. I'm hoping t… read more
ivorylounge
ivorylounge
44 satisfied customers
Hi, I have a ccj my credit report the ccj is from my ex partner
Hi, I have a ccj my credit report the ccj is from my ex partner , we completed a marital seperation agreement back in 2007 that signed the loan over to her - can i get this removed from my credit repo… read more
Jo C.
Jo C.
Barrister
Master's Degree
71,546 satisfied customers
I have recived two lellers from a solicitor in surrey with
I have recived two lellers from a solicitor in surrey with regards XXXXX XXXXX lone I am supposed to of taken out I have wrote twice to them asking for a copy of the contract so I can check if I had i… read more
Jo C.
Jo C.
Barrister
Master's Degree
71,546 satisfied customers
what can i do to fend off wrongful debt collector action against
what can i do to fend off wrongful debt collector action against me, i do not owe the said creditor any money?… read more
Jo C.
Jo C.
Barrister
Master's Degree
71,546 satisfied customers
HI, A FIRM OF SOLICITORS HAVE ISSUED ME WITH A CCJ, FIRSTLY
HI, A FIRM OF SOLICITORS HAVE ISSUED ME WITH A CCJ, FIRSTLY I WASN'T TOLD ABOUT THIS UNTIL IT WAS SET, SECONDLY THE DEBT IS NOT FOR ME, AND THIRDLY IT IS AT AN ADDRESS WHERE I HAVE NEVER LIVED AND NOW… read more
Jo C.
Jo C.
Barrister
Master's Degree
71,546 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x