Certificate of satisfaction?

nicnic77

Hi all,

I have recently paid off a CCJ for £200. The judgement date was 24th July 09, and I paid on the 6th August 09. I have a letter that says I should write to the court, enclosing cheque for £15 to HMCS in order to obtain a certificate of satisfaction.

My question is, if I obtain this certificate will my credit file be 100% clear of this CCJ? I'm looking for a loan in the foreseeable future and I'd like to know if I'm going to be penalised.

Thanks in advance.

Wutang_2

Nope - its going to be 6 years until it no longer shows.

notsorichandnotsofamous

No - I believe the certificate just proves it has been paid !

nicnic77

notsorichandnotsofamous wrote: »

No - I believe the certificate just proves it has been paid !

Hmm. B*gger.

nicnic77

'Unless you pay the full amount of the judgment within one month, your CCJ will be recorded on the Register of County Court Judgments for six years.'

From: http://www.direct.gov.uk/en/MoneyTaxAndBenefits/ManagingDebt/CourtClaimsAndBankruptcy/DG_10013083

I did pay within a month of the 'judgement date' so I think it will get wiped? I'm confused, and don't understand the purpose of the certificate.

nicnic77

Also from:

hmcourts-service.gov.uk/courtfinder/forms/ex320_0406.pdf

You can only have your judgment removed from the Register if:
• you paid the full amount due within one month of the date of the judgment;