Ccj?

biffoski

Hi,

about 3 years ago I signed up for a course online, that consisted of me paying back £xxx.xx a month.

To cut a long story short, no training was ever provided by them because they were a bit phoney and I ended up with a CCJ because they thought they could claim there money still.

at the time I went on to have a breakdown and just recently I've found the urge to sit down and go through all my debts of the past and try and sort them out.

This particular one is a sticking point to me. Any advice?

Cheers

happycamel_2

You signed a contract and didn't pay so the CCJ seems legitimate. To deal with the non provision of their end of the contract you would have needed to complain in writing, then eventually gone to trading standards and the small claims court. I would think 3 years is too late for them to find in your favour.

When was the CCJ registered? You might be best to wait another three years for it to drop off your file. Can you afford to pay the debt now? Do you need to access credit between now and the time at which it will be 6 years from your CCJ?

biffoski

Hi,

No I don't need to access credit I'm just trying to get a little peace in my mind about it all.

I understand 3 years is a long time and realise that probably nothing could be done.

I also don't have the funds to pay it off in one full wack.

Do all debts drop off your file after 6 years? Cheers