ccj not paid when 6 years have passed ???

ccdixon

my wife is paying 50 per month towards her ccj
she still owes 5000 yet her ccj will be 6 years old in two years and she will still owe thousands at this point

what happens
does it still dissappear?
if it does dissappear does she continue to pay or doesnt she have too?
does it remain on until it is paid?
if it dissappears paid or unpaid should she just stop paying it?

thanks

Angry_Bear

The CCJ disappears from her credit file after the 6 years are up, paid or unpaid.
However, it still exists and she is still obliged to keep paying. If she stopped, her creditors could apply enforce it (through bailiffs or arrestment of earnings). Normally, a creditor has to apply to the court to enforce a CCJ if 6 ears have passed and justify why they haven't sought enforcement before. However, if she has been paying and suddenly stops, I suspect (but am not qualified to say for sure) that this would be acceptable grounds.

ccdixon

Thanks for your reply

PaulW922

If she has been paying and then stops I don't think the creditor will need to justify their position much - it will be relatively easy to get an enforcement order provided they give the debtor the chance to 'catch up'.

The good news about having a CCJ - and there can be good news - is that the £50pm is set in stone unless you break the terms of the order. You cannot be made to pay more or suddenly face a demand for the full amount without the creditor going back to the court for a variation.