Should paid CCJ's last 6 years?

Jessikita1983

Gmac2011 wrote: »

No it doesn't seem unreasonable but sometimes as in MY situation , I was doing fine was taken seriously ill,(cancer) lost my job, couldn't deal with any correspondence, until I came out of hospital, by which time I had accrued a £273 CCJ, which I paid off 6 MONTHS after it was issued after getting back into work,
BUT I had to wait another 66 months before this came off my file, and although my credit history (35 years), before this had been excellent, all bills paid on time, I was unable to get ANY other credit.
This is why I brought up the idea of having a PAID CCJ removed after 24 months and not have to wait nearly 6 years. I was penalised so harshly when circumstances over which I had NO control took over,
and had NO recourse to state the reasons.
Entering a statement on my Credit Files made ABSOLUTELY NO DIFFERENCE.

The comments made I understand, but some have adopted a similar approach to the Credit Companies, i,e. a blinkered view.
GMac

I think it is a case of a few irresponsible people making things bad for everyone. Sorry to hear of you getting cancer and hitting hard times, wouldn't wish that kind of thing on anyone.

I feel your frustration. Unfortunately irresponsible people who deliberately borrow money with no intention to pay it back etc etc have unfortunately caused rules like this to come into play, and that means you cop for it even in circumstances such as what you have experienced that were genuine.

Gmac2011_2

Thanks for the kind comments. It is a sad world isn't it.
GMac

HappyMJ

Gmac2011 wrote: »

No it doesn't seem unreasonable but sometimes as in MY situation , I was doing fine was taken seriously ill,(cancer) lost my job, couldn't deal with any correspondence, until I came out of hospital, by which time I had accrued a £273 CCJ, which I paid off 6 MONTHS after it was issued after getting back into work,
BUT I had to wait another 66 months before this came off my file, and although my credit history (35 years), before this had been excellent, all bills paid on time, I was unable to get ANY other credit.
This is why I brought up the idea of having a PAID CCJ removed after 24 months and not have to wait nearly 6 years. I was penalised so harshly when circumstances over which I had NO control took over,
and had NO recourse to state the reasons.
Entering a statement on my Credit Files made ABSOLUTELY NO DIFFERENCE.

The comments made I understand, but some have adopted a similar approach to the Credit Companies, i,e. a blinkered view.
GMac

You could have got the CCJ set aside due to your absence/illness/inability to respond. It would have then been removed from your credit file and you would have had a second chance to reply to it.

chattychappy

HappyMJ wrote: »

You could have got the CCJ set aside due to your absence/illness/inability to respond. It would have then been removed from your credit file and you would have had a second chance to reply to it.

Possibly not, unless the OP could have shown on his/her application for set aside a "real prospect" of defending the action. (Or the outcome would somehow have been different.)

Having a good reason for not dealing with the claim at the time is not by itself enough.