jonesyd UE Diary

[BuzzyBee]

Re: jonesyd UE Diary

It's probably not a good idea to credit check etc as that throws up red flags to whomever they can see searches and thus jogs the memory ..x

Trustonline is not a place to check your credit, it's a place to search for CCJs. Unlike credit files, CCJs are a matter of public record, so anyone who's got your details such as name and addresses can pay a fee and do a search to see if you've got CCJs.

Nanna, I don't quite follow, do you mean the http://www.trustonline.org.uk/search-yourself thing?

No, Trustonline is NOT a CRA, therefore what's being said about CRAs does not apply here. Anyone can search the public records on Trustonline, therefore there is no record of who's been searching what. It's a public record that anyone can use.

Not so sure about trust online, but it is always suggested not to check or apply for anything as it announces you are about and still breathing thus the DCAs can circle .I haven't checked for years now .x

But yes that kind of thing.x

No, it's not the same kind of thing at all. To clarify, credit records are only accessible to yourself and those companies that share data with them, such as banks, credit card and finance companies, and companies that buy debts. They include details about accounts you hold as well as any defaults. CCJs would also appear on your credit records, however, I didn't suggest checking those precisely for the reasons already discussed here. Trustonline is a record of court judgments, not credit records. Anyone can pay to do a search but no-one can see who else has been searching. It's totally separate from the CRAs.

[Never-In-Doubt]

Re: jonesyd UE Diary

Ahh ok so if you didn't post back then there's no point trying to trace you from past emails on the system. Just continue with this username.

[jonesyd]

Re: jonesyd UE Diary

You ought to continue with your new life abroad and stop worrying about this. If you have no UK assets they can get as many CCJ's as they want - what then?....

I'm not sure why you're even bothered - you said yourself you have no intentions of moving back here permanently and you have no assets - so basically, who cares if they get a CCJ - it's futile with no assets to secure it against! Of course, if these would affect entry in the US / US Visa then you need to work something out.

If it was me I would not check anything - as it won't matter either way will it? Trust Online is correct to search for CCJ's etc but that only works on address and if you have various possible addresses that they could have used then you'll pay a few quid - so why bother?

No you'd not have a good chance for set aside - the fact you weren't in the UK or indeed weren't notified doesn't give an automatic defence. However if they did get one and it's a few years old they'd struggle to enforce it - without going back to court.

My point above stands - if you aren't staying here and have no assets why are you even bothered what is registered against you? It won't affect you.....

A CCJ never goes SB - however after a few years of being registered and not enforced the CCJ owner would need to apply to the court and they may not allow them remedy to enforce. There are loads of different permutations regards this so don't be unnecessarily worrying.

Hey NID - incredible that you're still here and helping everyone out, I'm full of admiration for that. You should be proud of the positive difference you've made to so many people who really felt they were up against it.

You're right - of course! - that I shouldn't give any of this too much thought. I have lived abroad for most of the past five years, with periodic stays in the UK every now and then. But my little company (I'm self-employed) is still registered in the UK and I still pay taxes in the UK. I don't own a house here, but I do own a car I use when I'm here and possessions I normally keep in storage.

But this year - as I mentioned in a previous post - I had to be in the UK for six months for work, so took a 6 month tenancy on a house and was a bit spooked to receive the letter from Citi at my new address only a few weeks after I moved in.

Ultimately I'm not bothered about the UE debts I left behind in 2011, especially as I am right on the verge of them being statute barred, but the one thing that I really would not want to happen is for bailiffs to turn up at my new address on the back of some CCJ I am unaware of.

I was pretty confident that that would not happen until I received the letter from Citi, which got me thinking: if Citi can find me in a few weeks, presumably anyone (including someone holding a CCJ against me) can possibly do the same...

So I guess my one remaining question is this: could someone holding a default CCJ against me (from my old address) and that I have no knowledge of, simply show up at the front door of my new address without any warning or communication whatever?

[Never-In-Doubt]

Re: jonesyd UE Diary

So I guess my one remaining question is this: could someone holding a default CCJ against me (from my old address) and that I have no knowledge of, simply show up at the front door of my new address without any warning or communication whatever?

Yes it is possible If the ccj holder has enforced it but that's unlikely so in reality the answer is no.

Check trust online with your last address to check. It's address based so use the address where you think something may have occurred.

As for Citi - that'll be because most landlords do a public data check via the CRA. So in theory it's likely the agency you rent from that's created the link. Your name might be unique enough to quickly trace or maybe you provided the old address to the letting agent / utility co etc? Im not sure but either way I'd not lose any sleep.

[jonesyd]

Re: jonesyd UE Diary

Yes it is possible If the ccj holder has enforced it but that's unlikely so in reality the answer is no.

Check trust online with your last address to check. It's address based so use the address where you think something may have occurred.

As for Citi - that'll be because most landlords do a public data check via the CRA. So in theory it's likely the agency you rent from that's created the link. Your name might be unique enough to quickly trace or maybe you provided the old address to the letting agent / utility co etc? Im not sure but either way I'd not lose any sleep.

The letting agency here did ask me to fill in acredit check form, but we both knew it was a waste of time because I'd paid the rent upfront and the only address I gave them was my previous one in the US. But they have their processes, which must be followed! So, yes, I guess that must be where they got it from. As it happens, my name is one of the most common around, but I suppose the DMAs just send out letters on the off chance whenever they get a name hit on their database

Regarding the CCJ, when you say "enforced it", do you mean simply received a default judgement against me (in my absence) because I was abroad and gave no response? Or do you mean actually took some action after being awarded the judgement?

[Never-In-Doubt]

Re: jonesyd UE Diary

Enforcing it means applying in court post ccj and usual methods are attachment of earnings. I'd not worry as it's extremely rare if ever; that they attempt enforcement. It's too costly / risky. The ccj usually suffices 99.9% in the creditors viewpoint.

[jonesyd]

Re: jonesyd UE Diary

Enforcing it means applying in court post ccj and usual methods are attachment of earnings. I'd not worry as it's extremely rare if ever; that they attempt enforcement. It's too costly / risky. The ccj usually suffices 99.9% in the creditors viewpoint.

Thanks NID. In that case I'll just forget all about it unless/until it pops up again in my real life rather than as a hypothetical.

[BuzzyBee]

Re: jonesyd UE Diary

I was pretty confident that that would not happen until I received the letter from Citi, which got me thinking: if Citi can find me in a few weeks, presumably anyone (including someone holding a CCJ against me) can possibly do the same...

So I guess my one remaining question is this: could someone holding a default CCJ against me (from my old address) and that I have no knowledge of, simply show up at the front door of my new address without any warning or communication whatever?

A CCJ can be enforced using bailiffs but, under the new regulations, they have to send you a notice of enforcement giving you at least seven days before any visit. That means they can't just show up at the door without notice as was the case before the new regs came into force. The seven days exclude Sundays and Bank Holidays. If you haven't received such a notice, they can't turn up.

[BuzzyBee]

Re: jonesyd UE Diary

Regarding the CCJ, when you say "enforced it", do you mean simply received a default judgement against me (in my absence) because I was abroad and gave no response? Or do you mean actually took some action after being awarded the judgement?

Enforcing means taking action to attempt to collect the amount of the default judgment. Common methods of enforcement include attachment of earnings (if you are working for an employer in the UK), charging orders (if you own property in the UK) and bailiffs as noted above. If a judgment creditor had applied for any of these, you'd receive notification.

[jonesyd]

Re: jonesyd UE Diary

A CCJ can be enforced using bailiffs but, under the new regulations, they have to send you a notice of enforcement giving you at least seven days before any visit. That means they can't just show up at the door without notice as was the case before the new regs came into force. The seven days exclude Sundays and Bank Holidays. If you haven't received such a notice, they can't turn up.

Thanks Buzzy - can you point me in the direction of the new regs? I'm guessing they were introduced as a result of all the press there seems to have been over the last few years about bailiffs turning up at wrong addresses/for the wrong people, etc, etc.

[jonesyd]

Re: jonesyd UE Diary

Enforcing it means applying in court post ccj and usual methods are attachment of earnings. I'd not worry as it's extremely rare if ever; that they attempt enforcement. It's too costly / risky. The ccj usually suffices 99.9% in the creditors viewpoint.

Hi NID. That's interesting - is it "extremely rare" only in the case of credit card companies/banks (or their agents)? And, if so, is that down to the fact that those groups process such large numbers of cases of CCJs?

[Gerry Jemitus]

Re: jonesyd UE Diary

Hi NID. That's interesting - is it "extremely rare" only in the case of credit card companies/banks (or their agents)? And, if so, is that down to the fact that those groups process such large numbers of cases of CCJs?

Yes, they issue indiscriminately. After judgement, enforcement action is more likely if you are a home-owner, as they have a better chance of recovering their costs.

[Never-In-Doubt]

Re: jonesyd UE Diary

there seems to have been over the last few years about bailiffs turning up at wrong addresses/for the wrong people, etc, etc.

That wouldn't affect you - you are not a UK citizen and have no intention of being one!

Stop getting so hung up on things that will never happen. In all my years of helping debtors I have never once heard of a single case where a bailiff has turned up at a debtors house for non payment of a consumer credit debt / subsequent ccj.

As advised above, they tend to go after homeowners - ie if they already had a ccj and you were a homeowner they'd enforce it by way of getting a charge. If you are not a homeowner then they cannot enforce it as there are no assets to enforce against. It could cost them £5k to try and enforce a ccj using attachment of earnings to then learn you're not employed - they've just wasted £5k..... it's not viable for a business to try and enforce a ccj if you aren't a homeowner / with assets.

It just doesn't happen. Chill....

[jonesyd]

Re: jonesyd UE Diary

Haha - thanks, I'll chill further!

Seriously, I'm not worried any more so much as interested in the processes.

BTW, I am a UK citizen (and intend to remain one) - I just have dual nationality with another country and an internet-based job, and that allows me to move around a fair bit.

[Never-In-Doubt]

Re: jonesyd UE Diary

BTW, I am a UK citizen (and intend to remain one) - I just have dual nationality with another country and an internet-based job, and that allows me to move around a fair bit.

I mean you're not living here - not citizenship per se.