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ccj

 
#1 ccj
13/03/2013 21:42

henry1

hi i have worked for my current employer for 9 years as a personal banker i have just been informed i will be gettin a ccj and a charge on my house, advice anyone should i tell work or just leave it, they will never do any more credit checks me now only done when i started the position please help im stressed

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#2 RE: ccj
13/03/2013 23:01

detoilet Consultant to henry1 (#1)

Check out previous posts on this either mars or mr cool were experts so no doubt will weigh in otherwise blame your estranged wife or teenage son and just keep quiet about it

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#3 RE: ccj
13/03/2013 23:28

henry1 to detoilet Consultant (#2)

thanks i will do, to be honest i dont think they actually need to know as my job is a no advice basis, still bit strssed tho

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#4 RE: ccj
14/03/2013 17:11

Mr Cool to henry1 (#3)

Hi Henry1,

My advice...

1. Don't panic

2. Contact the citizens advice bureau for FREE legal advice AND advice on how to handle the CCJ.

3. Look on your firm's intranet and in your terms of employment for any sign that a CCJ would mean dismissal. Some banks do require that you disclose a CCJ once employed and would reject applicants with one for certain roles.

4. Log onto money supermarket and other comparison sites. Many have specialist forums to discuss bad debt which are both accurate and morally supportive.

5. You may find yourself having to make a judgement call - tell my employer and lose my job, or not tell them and....

Good luck...

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#5 RE: ccj
14/03/2013 17:37

marsday to Mr Cool (#4)

Henry absolutely agree with Cool - it's crucial you check your company policy on acquiring a CCJ in service.

As you have had a charge on your house I assume you have acquired the CCJ through default on a secured loan? Look carefully at who is putting the charge there, as companies can (and do) try to put a charge on your property when they in fact have no legal eligibility to do so.

Next steps are get in touch with the creditor who has taken you to court and see if you can negotiate - if necessary write to the court for a 'redetermination' on the grounds that your employment may be affected, further aggravating the debt, and put this to your creditor too. Buys you some time to get your creditor to play ball.

Come back if you need more advice.

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