CCJ Woes

Marybarnet

Hi all,

I hope somebody is able to help me.

I have a CCJ that is over five years old. I am currently trying to clean up my credit and see form my experion report that this is showing as unsatisfied. I am certain that this was paid immediately, but despite going through old bank statements I can't find a record (it could have been paid on any number of the tens of credit cards me and my husband had at the time - we were a mess!)

I have tried to contact the company/creditor, but it has been dissolved and there is no way for me to do this.

I have the form to send to the county court to request that it is satisfied, but am not able to offer any proof. Where do I stand with this?

can any one offer any advice?

Thank you.

M

fruitisbad

It should drop off your file totally at the six year mark. Unless you are desperate for credit within the next year it might be less hassle to just do nothing.

fermi

You can apply for a certificate of satisfaction including on the form any of:

18(1)
a) sufficient evidence that the debt has been satisfied;

(b) a statement that the registered debtor has taken reasonable steps to obtain such evidence, but has been unable to do so; or

(c) a statement that the registered debtor believes such evidence is already in the possession of the appropriate officer.

In you case it would be (b).

The law then says that the court will

18 (3) Where paragraph (1)(b) applies, the appropriate officer shall send notice of the registered debtor’s application under regulation 17(1) to the creditor together with a request that the creditor confirms within one month of the date of the notice whether the debt has been satisfied.

and then

19. Where an application has been made under regulation 17(1) and—

(a) the appropriate officer is of the opinion that the debt has been satisfied; or

(b) a notice has been sent in accordance with regulation 18(3) and the creditor has not responded within the time limit provided,

the appropriate officer shall issue a certificate of satisfaction to the registered debtor.

fermi

fruitisbad wrote: »

It should drop off your file totally at the six year mark. Unless you are desperate for credit within the next year it might be less hassle to just do nothing.

This is also true.

MEM62

Marybarnet wrote: »

I am certain that this was paid immediately

If that was the case it would not have shown on your credit report in the first place.

fermi

MEM62 wrote: »

If that was the case it would not have shown on your credit report in the first place.

Only if the court was given proof of that by either the creditor or the OP. If that didn't happen, as it sounds here, then the registration by the RT and then CRAs would have happened.