ccjs

[bobinogs]

hi. a close relation has asked to lend from my husband and i �1,700 to pay off a ccj in order to get a good job thats in the pipeline. i know it is possible not to realise you had a court summons etc. but she has lived at the current address for more than 8 years. no bayliffs. she said she didn't know about it until there were checks. could this be and if yes. surely she shouldn't have to pay.

[Ethel]

There is always lots of correspondence before a CCJ is issued - this gives a good outline of the process:

http://www.payplan.com/frequently-asked-questi ons/county-court-judgements.php#CcjProcess

If a CCJ is issued and not paid, the creditor normally takes steps to recover the money. The bailiffs, a charging order, or an attachment of earnings order are some examples.

All of which she would know about. She must know where the debt originates from. How old is the debt?

[themas]

Even if you do lend her the money and she pays off the debt, the CCJ will stay on her credit record for 6 years, unless she pays it off within 28 days of the judgement. Presumably, she is worried that the firm she wants to get a job with will do a credit check on her, so the CCJ would show up anyway.

Lending money to friends & relatives is often a bad idea - there have been various threads on here about problems arising from it. If you do do it, make sure it is a proper written signed agreement, with a fixed repayment schedule (dates, amounts, amount of interest); also make clear you will get a CCJ if she defaults on the repayments.