UK Law

Get UK Law Questions Answered by Verified Experts

Ask an Expert,
Get an Answer ASAP!

UK Law
This answer was rated:

I maybe offered a position within a bank on either a temporary

or permanent basis. I received...
I maybe offered a position within a bank on either a temporary or permanent basis. I received a CCJ when I was living in Hong Kong in early 2009. Basically a small credit card amount of GBP300 that was forgotten about. On my arrival back in the UK April 2009 I found out about the debt through a debt collection agency and satisfied the debt which was registered through Northampton Courts as satisfied February 2010. I am very concerned that this may effect my potential employment if I receive an offer. Can you advise.
Show More
Show Less
Ask Your Own UK Law Question
Answered in 3 minutes by:
5/14/2013
Joshua
Joshua, Lawyer
Category: UK Law
Satisfied Customers: 26,070
Experience: LL.B (Hons), Higher Prof. Dip. Law & Practice
Verified

Joshua :

Thanks for your question. Please kindly RATE my answer when you are satisfied

Joshua :

For the avoidance of any doubt the debt was in respect of a UK credit cared. Is this correct please?

Customer:

I cant see your answer

Joshua :

For the avoidance of any doubt may I clarify that the debt was in respect of a UK credit card. Is this correct please?


Customer:

I am a little confused as I cant see an answer to the question

Ask Your Own UK Law Question
Hello
I have switched to the question and answer format as you appear to be experiencing difficulties with chat. I apologies if this is the case. Hopefully this format will work better for you.

  1. For the avoidance of any doubt may I clarify that the debt was in respect of a UK credit card. Is this correct please?

  2. Do I also understand that you did not receive court papers in respect of the judgement?
Ask Your Own UK Law Question
Customer reply replied 4 years ago

Yes it was for a UK credit card

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.

http://www.hmcourts-service.gov.uk/HMCSCourtFinder/GetForm.do?court_forms_id=484

 

 

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?

 

If you have no further questions for now I should be very grateful if you would kindly take a moment to rate my service to you today. Your feedback is important to me. If there is anything else I can help with please reply back to me.

 

Joshua
Joshua, Lawyer
Category: UK Law
Satisfied Customers: 26,070
Experience: LL.B (Hons), Higher Prof. Dip. Law & Practice
Verified
Joshua and 87 other UK Law Specialists are ready to help you
Ask your own question now
Ask Joshua Your Own Question
Joshua
Joshua
Joshua, Lawyer
Category: UK Law
Satisfied Customers: 26,070
26,070 Satisfied Customers
Experience: LL.B (Hons), Higher Prof. Dip. Law & Practice

Joshua 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

9,163 satisfied customers

Qualified Solicitor - Please start your question with 'For Ben Jones'

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

2,752 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

Stuart J

Stuart J

Solicitor

7,349 satisfied customers

PGD Law. 20 years legal profession, 6 as partner in High Street practice

Clare

Clare

Solicitor

9,479 satisfied customers

family solictor with 25 years experience

Thomas

Thomas

Lawyer

2,176 satisfied customers

BA (Hons), PgDip, Practising Solicitor

< Previous | Next >

Related UK Law Questions
It's a little complex but here goes. My brother violently
Hi - it's a little complex but here goes. My brother violently abused me when I was a child. When he became a mayor I wrote to him and told him I thought he was unfit for office. He subsequently compl… read more
Jamie-Law
Jamie-Law
4,945 satisfied customers
When adding a supplement to a trail, do I add to the actual
when adding a supplement to a trail bundle , do I add to the actual trail bundle or do I do a new folder for this?… read more
Ben Jones
Ben Jones
UK Lawyer
Legal Practice Course
9,163 satisfied customers
I wish to complete an N16a form to seek an urgent injunction
I wish to complete an N16a form to seek an urgent injunction against online harassment … read more
Jamie-Law
Jamie-Law
4,945 satisfied customers
I am a permanent member of staff at an organisation and I
Hi, I am a permanent member of staff at an organisation and I got a temporary job as an electoral canvasser in the same organisation. I have been accused of completing 29 forms illegally electronicall… read more
Ben Jones
Ben Jones
UK Lawyer
Legal Practice Course
9,163 satisfied customers
If I committed a crime at age 7 can I be charged. Nsw
if I committed a crime at age 7 can I be charged JA: In what state did this occur? Customer: nsw JA: Have you talked to a lawyer yet? Customer: no JA: Anything else you want the lawyer to know before … read more
Jo C.
Jo C.
Barrister
Master\u0027s Degree
37,470 satisfied customers
My ex partner wants to take me to court over the paternity
my ex partner wants to take me to court over the paternity of our daughter. he wants the court to grant his a paternity test and i know they will do so. i do not want a dna test done from my daughter … read more
Clare
Clare
Solicitor
Bachelor's Degree
9,479 satisfied customers
The police have seiner my cameras as well as computers and
The police have seiner my cameras as well as computers and storage devices. Why do they want cameras when they can take sad cards out. And they have taken my wife's computer and phone but she has no i… read more
Jo C.
Jo C.
Barrister
Master\u0027s Degree
37,470 satisfied customers
My son met a Slovakian girl and very soon afterwards she
My son met a Slovakian girl and very soon afterwards she announced she was pregnant. She moved in with him and he took care of everything for her, her debts included. They had a beautiful baby daughte… read more
A. Stewart
A. Stewart
Master's Degree
2,140 satisfied customers
I am a Chinese from the mainland China. I have a Chinese
I am a Chinese from the mainland China. I have a Chinese passport which can be used internationally. I also have an “Exit-Entry Permit for Travelling to and from Hong Kong and Macau”, which is a trave… read more
JimLawyer
JimLawyer
GD Law
72 satisfied customers
Ben, Is it alloed for a UK limited by shares company to lock
Hi Ben, Is it alloed for a UK limited by shares company to lock its mission? Thanks, Valter… read more
Alex J.
Alex J.
Commercial/Corporate
LLB
1,713 satisfied customers
My tools were stolen from a work van in a car park next to
Hi my tools were stolen from a work van in a car park next to site I'm employed direct with my company and was wondering what's their responsibility on replacing my tools … read more
Ben Jones
Ben Jones
UK Lawyer
Legal Practice Course
9,163 satisfied customers
My ex partner and I had a declaration of trust over a
My ex partner and I had a declaration of trust over a property with a right for me to have 50% sale proceeds and rent, a preemptive right of first purchase, the right to go on the deeds as tenants in … read more
JimLawyer
JimLawyer
GD Law
72 satisfied customers
I was bullied into a Tomlin Order by my abusers solicitor
I was bullied into a Tomlin Order by my abusers solicitor for money I do not owe, but because they saw my vulnerability they pounced on me, how many times can they take this to court to try to enforce… read more
Jamie-Law
Jamie-Law
4,945 satisfied customers
I have been to court and received community service for
I have been to court and received community service for harassment of my ex partner and all I did was pester her for my property back this is my first offence I plead guilty and got 180 hours of commu… read more
Jo C.
Jo C.
Barrister
Master\u0027s Degree
37,470 satisfied customers
Where do I get help to fill in the 6.4 and 6.5 forms to set
where do I get help to fill in the 6.4 and 6.5 forms to set a debt aside? I have no idea what I am doing … read more
Jamie-Law
Jamie-Law
4,945 satisfied customers
II recently applied for my citizenship and did not mention a
II recently applied for my citizenship and did not mention a ccj judgement because I didn't know if I had to disclose it or not … read more
frantzgregory
frantzgregory
604 satisfied customers
My sister in law was dismissed by a local NHS Trust for
My sister in law was dismissed by a local NHS Trust for gross professional misconduct last week. She is planning to appeal but needs to clarify whether the Trust's decision was appropriate. … read more
Ben Jones
Ben Jones
UK Lawyer
Legal Practice Course
9,163 satisfied customers
My uncle (deceased) lived in a house belonging to his Mother
My uncle (deceased) lived in a house belonging to his Mother (deceased) for 50 years. My uncle has siblings (deceased) which leave all the Children, I am one of them. The house deeds were never change… read more
Buachaill
Buachaill
Barrister
Master\u0027s Degree
2,821 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