We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
What happens to Defaults that go to CCJ?
bigk12
Posts: 4 Newbie
Just a general question. If I have a default and the provider then gets a CCJ does the default stay on the file, or get replaced by the CCJ?
0
Comments
-
Just a general question. If I have a default and the provider then gets a CCJ does the default stay on the file, or get replaced by the CCJ?
The default will stay on file as that represents a true status of your administration of the account.
If you settle the CCJ within 28 days, then that will not go on file.0 -
No. A CCJ is a completely separate entry in the public record section of your report. It does not change or replace the default in the credit account section at all.
The default and account are still removed 6 years from the default date.
As a separate thing the CCJ remains 6 years from the CCJ date, unless as stated paid within one calendar month.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Thanks very much for that info guys. Saved me from finding out the hard way!0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards