I’ve recently referenced a tenant and the report has come up with 3 CCJs in the last 5 years (the amount owed is between £250-£400 each).
I haven’t had a proper conversation with the tenant since the report, but he said something to the effect that someone had used his name (?). He hadn’t told me anything about the CCJs before I forwarded him for referencing either.
His landlord says he’s paid rent on time in the last 1 year and he can afford the rent with his current job. Basically he’s passed everything except his credit check.
Btw, the report also says …“Some transactions were incompatible with their stated annual income and so we were unable to verify their income in this way. This can happen if the tenant didn’t select the right transactions or connect to the right bank account. However, in cases where we have an employment reference this mismatch has been ignored …”
For a CCJ to be registered, post would have been sent to the address where the CCJ is now registered.
If somebody was using my name, I would have intercepted that post and contacted the court, and defended the court process. I suspect most people would do the same. This person either didn’t do that, or lost at court. If the latter, the judge didn’t believe them… why should you?
CCJ means he doesn’t pay his bills. Current Landlord may be trying to regain possession of his property and unfortunately may say anything in order to achieve this.