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CCJ After Bankruptcy
Robo-787
Posts: 24 Forumite
Hello
Just wondering, went BR over 2 years ago and prior to going BR i had a CCJ.
What happens to the CCJ, does it still stay on my credit file for 6 years or do i need to contact the courts in Northampton to have it removed as the debt was covered in the BR.
Just wondering, went BR over 2 years ago and prior to going BR i had a CCJ.
What happens to the CCJ, does it still stay on my credit file for 6 years or do i need to contact the courts in Northampton to have it removed as the debt was covered in the BR.
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Comments
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The CCJ will stay on but it will fall off before the bankruptcy anyway. It was an accurate account of your affairs at that time.SPC 8 (2015) #485 TOTAL: £334.65
SPC 9 (2016) #485 TOTAL £84
SPC 10 (2017) # 485 TOTAL: £464.80
SPC 11 (2018) #4850 -
Hi Robo
As owlet says, the CCJ will remain on your file for six years from when it was granted, albeit the debt is no longer owed. In practice, the bankruptcy carries far more weight on your credit report than any information preceding it, including CCJs.We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0 -
Also court rules mean it can't even be marked as settled, as under their rule which means paid in full, it wasn't.
As also said though, as far as your report goes it is of no concern compared to the worse bankruptcy order.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
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