IVA with a CCJ

kevinpert

In 2009 a CCJ was raised against me and a year later I entered into an IVA which included the account in the CCJ. In 2014 I concluded the IVA by making a full and final offer which was accepted 100%
Since this the company who took out the CCJ have refused to close this despite the fact that I have sent them the Certificate and also sent it to the credit reference agencies.
They have closed the bank account but seem to refuse to close the CCJ with the courts. This affects my Credit file even to the extent that I am unable to get a savings account. The CCJ is due to be removed from the credit file this year as the default was raised in 2009 but I am not sure that this will happen either. It is like having a life sentence in financial services. Why in situations like this when the IVA has been concluded doesn't the Court notice be concluded as well. I have not paid anything into this CCJ since the IVA was taken out so I owe them no money

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http://www.legislation.gov.uk/uksi/2005/3595/made

Cancellation or endorsement of entries relating to judgments of the High Court or a county court

11.—(1) This regulation applies where an entry in the Register is one to which regulation 8(1)(a) applies (judgments entered in the High Court or a county court).

(2) Where it comes to the attention of the appropriate officer that—

(a)the debt to which the entry relates has been satisfied one month or less from the date of the judgment; or

(b)the judgment to which the entry relates has been set aside or reversed,

that officer shall send a request to the Registrar to cancel the entry.

(3) Where it comes to the attention of the appropriate officer that the debt has been satisfied more than one month from the date of the judgment, that officer shall send a request to the Registrar to endorse the entry as to the satisfaction of the debt.

“satisfied”, in relation to a debt, means that the debt has been paid in full, and “satisfaction” is to be construed accordingly;

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kevinpert wrote: »

The CCJ is due to be removed from the credit file this year as the default was raised in 2009 but I am not sure that this will happen either.

It will be removed 6 years from the judgement date, no matter what status says.