CCj reapply questions 6 years

richasshit

Hi,

I’ve been looking at forums all day long regarding statute barred status and really need a tiny bit more help

I understand the process if its a defaulted account over 6 years UK that it will be statue barred status so hopefully some of my debts should fall into this arena.

My question is regarding CCJ's, I need to check but have 2 old ones over 6 years for sure from my stupid uni days - I knew nothing about finance and it was available everywhere - hell I didn’t even know I had to make monthly payments at that time!

If anyone would be so kind to help. Been a rollercoaster of emotions for me today thinking I may have light at the end of the tunnel then realising CCJs are slightly different :

- I understand they fall off your credit report once 6 years 1 month is up ? Does this mean my credit rating will improve? (unless they put them back on)

- What I cant seem to find is how likely they are to be reapplied as from what I’ve read if its unsatisfied it does come off after 6 years but can be applied back on if DCA's go back to court - does anyone have experience of this?

- Another post touched on the fact that if its been passed around to other DCA's they are less likely to push for another CCJ due to needing original court paperwork?


Any advice would be greatly appreciated its because of forums like this us as consumers get some power and I’ve got my fingers crossed for some good news. Thanks so much in advance for helping.

DarkConvict

Debts that has not been paid or acknowledged in writing for a period of 6 (5 in scotland) years become statute barred, once statute barred always statute barred. Meaning you don't have to pay it back as it cannot be enforced in court. There is an exception to this if it has a CCJ, explained further below.
Statute Barred Template.

As to the credit file, every closed account/CCJ/Default will drop off after 6 years and will not reappear as it still exists its just not visible and since it exists they cant apply a 2nd default or CCJ.

If you have a CCJ on a debt, it prevents it going statute barred and they can well try and chase you 20 years later. A point to be aware of is that if they have not used the CCJ to enforce the debt i.e. taken payments / sent bailiffs / failed to attempt to make contact. Then they will need to go back to the courts to ask for the CCJ to be made enforceable and explain why after 6+ years they did not use the CCJ to reclaim the money. If the CCJ is not reactivated then the debt becomes statute barred, if not they will peruse action to recover the debt.

I was not aware that DCA needed the original CCJ, but i know copies are available from the court. For more details on CCJs PM 10past6.

richasshit

Thankyou so much for your advice. Im not proud of my situation at all.

Just one question
"As to the credit file, every closed account/CCJ/Default will drop off after 6 years and will not reappear as it still exists its just not visible and since it exists they cant apply a 2nd default or CCJ."

So credit file wise they cant put a 2nd CCJ on - or can they after reapplying to court?

Will pm 10past6 as advised and thanks so much agin for you help.

Ill post back update after cradit search and 10past6 pm incase the advice i get can help anyone else.