ccj

[pooky_uk]

how long does an unpaid ccj stay on your credit file?

The CCJ was register in 2000 and there is no way that I will settle the debt by 2006 - will the CCJ drop off my credit file regardless OR does the 6 year rule mean that it will drop off 6 years after it has been satisfied??...e.g. 2010?

Thanks

[Sammy Snake]

As far as I know it will stay on your file until 6 years after it has been satisfied/paid.

It won't drop off in 2006 if you still haven't cleared the debt.

[Peahead66]

A CCJ will stay on you file until it has been satisfied and then it will be on your file for a further 6 years after it has been satisfied. You can apply to have your credit file adjusted to show that the CCJ has been satisfied  for a fee of �10 by applying for a Certificate of Satisfaction from the court should you require one. 

[Oneeyedvic]

Sorry, but both answers above are inaccurate.

 

A judgement will stay on your file for 6 years from date of registration.. Your ccjs will come off it 2006.

[Peahead66]

But once a CCJ has been registered the creditor can legally keep re-registering it befrore the 6 years and in theory an unpaid CCJ is enforcable forever. Here is the answer to a question that was asked on another site and was answered by an expert money advisor as you will see in 99% of cases lenders will keep re-registering CCJs before the 6 years expires.

http://www.debtquestions.co.uk/forum/message.php3?messageID=15630

[Peahead66]

Hello again pooky-uk

Here is another link to show that after your CCJ is satisfied it will be a further 6 years before it drops off your file. http://www.debtquestions.co.uk/forum/message.php3?messageID=18122

Best wishes.

[pooky_uk]

Hmmm - guess I will have to see what the creditor does and as it is the "bleep bleep" company...PARAGON I guess they'll screw me.....I hate these people, because of them I could not opt for an IVA in 2000 becuase they refused to accept �100 pcm...ended up in court and I pay �50 a month.

*sigh*

Thanks for the replie :)

[Oneeyedvic]

You could try looking here: http://www.hmcourts-service.gov.uk/infoabout/judgment/registered/removed.htm

which tells you that it lasts 6 years

 

or here: http://www.hmcourts-service.gov.uk/courtfinder/forms/ex320.pdf

 

or here: http://www.registry-trust.org.uk/FAQs/tabid/53/ItemID/21/getscroll/false/Default.aspx#21

In my previous job working for a lender, we never attempted to reregister a ccj. What would be the point? It costs money, the chances of getting paid are remote and it would have been written off.

 

You will find that very few lenders will bother doing this contrary to the 'advice' given on the debt forum mentioned above.

[Loosehead]

"I hate these people" Why? you welshed on the debt, that's why it's a CCJ, curious thought process.