Page 3 | A CCJ against my name/property - total surprise, how to resolve pls?

JandLandG · 2024-10-30T11:19:51+00:00

I wonder if anyone can help here. Currently trying to rent a property prior to downsizing. Own own home outright. No debt, good salary, pay credit cards off in full every month. Went to sign a rental agreement but it was withdrawn after letting agency said was found there was a CCJ against me. A total surprise. Cannot find details (they gave me a reference number but no idea how to access info), but I suspect it might relate to a parking fee charged by a private company that my work was supposed to pay and never did. I remember just ignoring in the end and it went away. Or so I thought. £200 owed, apparently. Not in a massive rush to rent, but thought I had all my ducks in a row - paperwork, finance stuff, self-employment invoices/remittances etc etc and then this came up. How do I proceed? Can I not rent until this is resolved? How on earth do I resolve? Any thoughts/info/experience would be greatly appreciated . It seems crazy that some piffling little "debt" scuppered/delayed my plans...

NigelHarmansNewWife · 06/11/2024 10:58

Factually small debts can't be ignored.

butterflysandrobins · 06/11/2024 11:13

Fill out an N244 form

CoastalCalm · 06/11/2024 11:16

Have you moved and failed to change address with DVLA ?

Original poster

JandLandG · 06/11/2024 11:33

NigelHarmansNewWife · 06/11/2024 08:28

@JandLandG - nothing to do with "computer says no" and everything to do with not checking what was actually done at the time you got the parking fine. Factually this is what happens when you've got pots of money and think it doesn't matter cos it's only a couple of hundred quid.

"pots of money"???

Nah...working class, educated, do a reasonable job, got lucky, decent enough wage, sensible-ish decisions*.

*Most of the time

OP posts:

Original poster

JandLandG · 06/11/2024 11:39

Anyway, I've got all I need (and more!) from this enquiry, thank you very much, MN-ers.

As stressed previously, I do appreciate the help and I don't mind a bit of badinage here and there.

Can't believe that lots of you think that just-bc-the-tech-is-there-and-can-do-this nonsense means that "that's the way it is," tbh, but we'll have to agree to disagree.

And, to me, all this "looking at your credit score" etc being normalised is not fine tbh.

But there we go. Thanks again :-)

OP posts:

NigelHarmansNewWife · 06/11/2024 12:09

Cheerio!

butterflysandrobins · 06/11/2024 18:41

I hope you can get it sorted OP x

Citrusandginger · 06/11/2024 20:12

Why a personal reference and not an employment one?

DowntonNabby · 07/11/2024 21:03

Reading your responses, OP, I do feel you've missed the point PP have been trying to make. It doesn't matter how good you look on paper, the cold, hard fact is a county court summons was issued against you for non-payment and a CCJ was issued in your absence. Now you might say you were unaware, but why should any LL or agency believe that? You could be lying and hiding other financial issues from them. That's why it's so important to get it set aside.

Do you realise the CCJ has also made you uninsurable? Everyone has to declare whether they have CCJs against them when they take out any insurance policy and because you will have ticked the box 'no', you have (unknowingly) invalidated any policy you hold.

Original poster

JandLandG · 10/11/2024 01:45

DowntonNabby · 07/11/2024 21:03

Reading your responses, OP, I do feel you've missed the point PP have been trying to make. It doesn't matter how good you look on paper, the cold, hard fact is a county court summons was issued against you for non-payment and a CCJ was issued in your absence. Now you might say you were unaware, but why should any LL or agency believe that? You could be lying and hiding other financial issues from them. That's why it's so important to get it set aside.

Do you realise the CCJ has also made you uninsurable? Everyone has to declare whether they have CCJs against them when they take out any insurance policy and because you will have ticked the box 'no', you have (unknowingly) invalidated any policy you hold.

"You could be lying and hiding other financial issues from them. "

Well, I could be,I suppose - but I have an absolute ton of paperwork, documentation, proof and a £600,000 house that says otherwise.

And surely their foolproof algorithms and AI bots would pick up all my faults and misdemeanours?

I've mentioned several times that I'm grateful for other people's thoughts and advice, but remain perplexed that the "computer says no" attitude in the face of overwhelming evidence to the contrary is so readily accepted and indeed seems popular.

Anyway, all this seems not to matter any more - the letting agency have turned around and said that all is ok after all. I can have the place.

Absolutely ridiculous!

As previously mentioned, some London-based 3rd party AI algorithm-dependent software company leached cash out of this whole process and stopped it going through despite overwhelming evidence to invalidate its "computer says no" decision.

However, someone, somewhere in the process (probably the landlord) seems to have seen sense...

But bollocks to them - I think I've lost interest.

Might wait til after Christmas now; the market's slowed right down from what I can tell and have heard, so I'll pay 150 quid a month less in January with any luck

But yes, yes, I will sort out my issues, and yes, yes, I do realise how lucky I am - and also how I've made my own luck (and misfortune) at times.

Thanks again, all.

OP posts:

DowntonNabby · 10/11/2024 09:34

JandLandG · 10/11/2024 01:45

"You could be lying and hiding other financial issues from them. "

Well, I could be,I suppose - but I have an absolute ton of paperwork, documentation, proof and a £600,000 house that says otherwise.

And surely their foolproof algorithms and AI bots would pick up all my faults and misdemeanours?

I've mentioned several times that I'm grateful for other people's thoughts and advice, but remain perplexed that the "computer says no" attitude in the face of overwhelming evidence to the contrary is so readily accepted and indeed seems popular.

Anyway, all this seems not to matter any more - the letting agency have turned around and said that all is ok after all. I can have the place.

Absolutely ridiculous!

As previously mentioned, some London-based 3rd party AI algorithm-dependent software company leached cash out of this whole process and stopped it going through despite overwhelming evidence to invalidate its "computer says no" decision.

However, someone, somewhere in the process (probably the landlord) seems to have seen sense...

But bollocks to them - I think I've lost interest.

Might wait til after Christmas now; the market's slowed right down from what I can tell and have heard, so I'll pay 150 quid a month less in January with any luck

But yes, yes, I will sort out my issues, and yes, yes, I do realise how lucky I am - and also how I've made my own luck (and misfortune) at times.

Thanks again, all.

Show quote history

Well, that's terrific news that you could've had the apartment if you wanted and it bodes well for your future house hunt. I also appreciate why you remain perplexed by the "computer says no" attitude now they've changed their minds, but as PP have said, it's really simple. When they've got lots of people going for the same rental, why waste time doing due diligence on the one who is immediately flagged for having a CCJ and therefore could potentially be a huge financial risk? Let the computer say no to those and find a tenant without one.