and is there a way to find out online without it costing me?? Please help! x
2007-02-06 00:33:16 · 13 answers · asked by SARAH 2 in Business & Finance ➔ Credit
go on line and type credit report for free!!
then follow the instructions (wait yes i know it say monthly fee!!) but it also say FREE trial...
I've done this, signed up for it got what i needed then cancelled it....
shhhhh don't tell anyone... BUT i do it quarterly to keep an eye on things!! all for the cost of a stamp
but if you have a CCJ you'll know because you will receive letters from the court etc
2007-02-06 00:44:42 · answer #1 · answered by tink 4 · 0⤊ 0⤋
1
2017-01-20 20:19:38 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Not all judgments are reported to the credit bureaus. Some courts do this, some don't. Other times, it's left to the creditors to make this reporting, and some don't know how to, or simply don't do it.
I believe you are already suspicious you have a judgment against you, or you wouldn't ask. You must have ignored the "service of process" that is necessary to notify you that you have a case pending. You have no doubt ignored the summons, and are scared you have a judgment.
Well, you probably do. When you ignore the court date, a "default judgment" is automatically awarded to the plaintiffs. So it was a bad idea to ignore your court summons!
It's a very simple thing, now, to find out if your plaintiff was awarded a judgment. CALL THE COURT for which you know the summons came from. Sometimes there a minimal fee to conduct a "name search", usually no more than $5.00. Or, you can search online to see if that county has a database which you can access. Again, you may need to pay a small search and document fee, but it's worth it.
2007-02-07 10:22:35 · answer #3 · answered by DMEdwards 2 · 0⤊ 1⤋
No, unless he lives there or the daugther will accept service for him. Even then you might not be able to enforce the judgement without a court order allowing some kind of substituted service. Most judgments are good for 30 thirty years or so. Make sure your is registered properly - that usually doesn't happen automatically. If you know of some assets owned by the person, you can apply to seize them directly or you can ask the judge if you can serve him by publication - printing an ad in certain papers. You can check real estate records or if you have a phone number, do a reverse lookup on the internet. Maybe you will just have to wait until he shows up again. Judgments do acrue interest.
2016-05-23 23:11:28 · answer #4 · answered by Betsy 4 · 0⤊ 0⤋
Sometimes you can have a CCJ against you without knowing - it happened to us!
Basically we found out about it after we had mail go missing, we had never received the court papers or correspondence from a firm we were in dispute with (had we known it would have been resolved before it ever went to court!) and the first we knew of it was when applying for a loan. The amount of the CCJ was only just over £100 and we paid up and got a certificate of satisfaction.
So yes be aware it CAN happen!
2007-02-06 08:37:42 · answer #5 · answered by Caroline W 1 · 0⤊ 1⤋
Why do you think you have a CCJ against you? You should have received rather threatening letters in red before this happened spelling out the consequences of not paying what you are supposed to pay.
There are web sites out there offering free credit reports, you could use one of these, but who knows how much spam and junk mail you will get off the back of it.
But instead call Equifax on 08700 100 583 and pay the £2.50 or so on your debit card. This will give you your credit report within 7 days and allow you to check. This way it comes straight form the most popular credit reference agency in the UK and you know it is genuine with no spam/junk attached to it.
Best wishes.
2007-02-06 00:50:01 · answer #6 · answered by Valiant 3 · 1⤊ 1⤋
For a very small outlay, I think its a bout £2.00, you can get an Experian report on yourself, that will list all financial activities. But surely you know if you have an unpaid debt or not, the debt collection companies do give you lots of chances before taking the matter to a county court
2007-02-06 00:37:39 · answer #7 · answered by SunnyDays 5 · 0⤊ 1⤋
Call the clerk of the county you live in, or where you think the judgment was entered. Most county clerks have websites online; their number is on the website.
2007-02-06 02:24:13 · answer #8 · answered by Kevin K 3 · 0⤊ 1⤋
You would know if you had a CCJ against you because you would have been notified by the issuing county court.
2007-02-06 00:37:54 · answer #9 · answered by sirjulian 3 · 1⤊ 1⤋
Check to see if your county clerk's office has a web site. Usually you can check through there to see if anything pops up.
2007-02-06 02:41:58 · answer #10 · answered by kam 5 · 0⤊ 1⤋