Can i statute barr a ccj after 6 years if i havent paid anything or made contact?

liam2010

macman wrote: »

How are you intending to get a mortgage without a fixed address though? No credit history for 6 years, not on electoral roll...

i suppose i could just say ive been at my mums house

liam2010

i always thought after 6 years u could get rid of this sort of thing?

National_Debtline

Hi again Liam


The six-year statute bar stops someone taking legal action against you if they haven't acted by then. If they have already taken legal action, the bar is irrelevant. Whether they go back to court to enforce their CCJ if and when they locate you is anyone's guess. Chances are that by now, the debt has been sold on cheaply to someone who will be looking to take whatever they can get for it.


If you are aiming to get a mortgage in the near future, you need to think about what course of action is most likely to help you achieve this. For a start, that means getting on the electoral roll and ensuring that the info on your credit file is accurate and up to date.


Dennis
@natdebtline

liam2010

National_Debtline wrote: »

Hi again Liam


The six-year statute bar stops someone taking legal action against you if they haven't acted by then. If they have already taken legal action, the bar is irrelevant. Whether they go back to court to enforce their CCJ if and when they locate you is anyone's guess. Chances are that by now, the debt has been sold on cheaply to someone who will be looking to take whatever they can get for it.


If you are aiming to get a mortgage in the near future, you need to think about what course of action is most likely to help you achieve this. For a start, that means getting on the electoral roll and ensuring that the info on your credit file is accurate and up to date.


Dennis
@natdebtline

thanks, everything else is in place, im on the electrol roll at my mums, im working 60 hours a week so my wage is high, the y credit score on eperian is excellent, i just dont know what happens with the ccj thing

sourcrates

liam2010 wrote: »

thanks, everything else is in place, im on the electrol roll at my mums, im working 60 hours a week so my wage is high, the y credit score on eperian is excellent, i just dont know what happens with the ccj thing

It should show in the "public information" section of your credit file.
After 6 years it will disappear from your file, however that doesn't mean it does not still exist.

Your best bet is to save up some cash, then approach whoever may own the debt, and make them an offer to settle it.
Otherwise it could get nasty if the bailiffs catch up with you, and start trying to enforce the original judgement.

liam2010

so my ccj will last forever unless i pay it?

skintandfat

liam2010 wrote: »

so my ccj will last forever unless i pay it?

In England and Wales, technically YES.
I Scotland - NO, after 5 years it is gone, unless they have got it attached to a house etc.

liam2010

i respect all your answers but google says different

https://www.google.co.uk/search?espv=2&q=how+long+do+unsatisfied+ccjs+last&oq=how+long+do+ccjs+las&gs_l=serp.1.5.0l2j0i22i30l8.2641.9172.0.11582.24.16.2.5.6.0.663.2818.2j3j2j2j1j1.11.0....0...1c.1.64.serp..6.18.2895.ZEhUtqINjho

HappyMJ

liam2010 wrote: »

i respect all your answers but google says different

https://www.google.co.uk/search?espv=2&q=how+long+do+unsatisfied+ccjs+last&oq=how+long+do+ccjs+las&gs_l=serp.1.5.0l2j0i22i30l8.2641.9172.0.11582.24.16.2.5.6.0.663.2818.2j3j2j2j1j1.11.0....0...1c.1.64.serp..6.18.2895.ZEhUtqINjho

The google link you've provided justifies what we've been saying.

The CCJ drops off your credit record after 6 years whether you've satisfied it or not. You still owe the money and the creditor must apply to the court to restart enforcement action against you. If you've been hiding from the creditor the court may grant the creditor the right to enforce the debt even after 6 years have passed. If the creditor simply hasn't been chasing you for the money for the last 6 years then the court won't give them permission to enforce the debt. If you die the creditor has a claim on your estate. If your estate has nothing the debt is written off. You can also include the debt in a DRO or Bankruptcy if you want the debt to be written off or wiped off as you requested in your first post.

fermi

Shows the danger of Google and asking a too vague or non specific question and getting a misleading answer.

As said, the CCJ remains visible on the Register of Judements and fines and so credit reports for 6 years, and is then removed.

The CCJ itself continues to exist indefinitely and is enforceable, although in some cases that may need permission of the court.