Will They Extend my CCJ

dan77_2

I have a CCJ that will be 6 years old in April. I have paid back £15 a month every month for 6 years and have about £250 left to pay. I don't think I can raise that by the end of this month, so my question is will i get another CCJ for the rest, that would then be on file for another 6 years, or will they let me carry on paying as I am now?

The CCJ was taken out by Eversheds.

Tixy

Hi Dan

You won't get another CCJ, just carry on paying back at the rate you are and you'll find it will drop off your credit file.

The only reason eversheds would take further action would be if you suddenly stop paying.

dan77_2

Thanks, as it turns out they did me a deal when I rang them and I have paid it off for £86, glad to get it out the way!

Just as a matter of interest with the CCJ off my credit file, does that mean that if I wanted credit again i would be able too (I dont btw) or will the 3 defaults I still have on file cause problems, the defaults all have a balance of 0.

DarkConvict

defaults will affect you until they fall off, satisified (£0) defaults have less affect after about 3 years.

All creditors score you differently thou.