CCJ issue after bankruptcy

Lea123

Hello all, a previous member but can't log with my old details..

I went bankrupt September 2009 and was discharged September 2010. I had two CCJs just before I was made bankrupt and never actually had to pay them and the debts were included in my BR. I have done a good credit file clean but the two CCJs show as active, but with every old account settled. What are my options with this? Will a lender realise they are in effect void ( from a financial point of view)

Thanks.

alastairq

AFAIK....CCJs remain on credit files [and register of CCJs] for 6 years from date of order.

The presence of the BR on the credit file far outweighs the effects of a CCJ.

It is the Court which issues certificates of satisfaction....not the creditor.

Since the amounts owed fell into the BR,effectively they have not been re-paid.

The BR protects one from being pursued for those debts...

From the dates of the CCJs...and the date of BR, any search will rightly assume those debts fell into the BR.....so I don't think there is much more that can be done.

Lea123

Cheers for the reply Alastair.