5 yr old CCJ - any solution/compromise with debt company?

dr_john_cain

5 yr old ccj prevents me getting credit.

I cannot afford to pay the full amount - £1000

The company who have the ccj once offered me a reduced amount payment in agreement not to use the ccj against me.

how can I get them to do this again without contacting them and agreeing I owe them debt?

I can afford 50- 100 pound maximum (i'm unemployed)

sourcrates

dr_john_cain wrote: »

5 yr old ccj prevents me getting credit.

I cannot afford to pay the full amount - £1000

The company who have the ccj once offered me a reduced amount payment in agreement not to use the ccj against me.

how can I get them to do this again without contacting them and agreeing I owe them debt?

I can afford 50- 100 pound maximum (i'm unemployed)

Hi,

Wait another year, after which they would need to go back to court in order to enforce the CCJ.
Usually six years is concidered time enough for enforcement, so there application may be denied, and you may not have to pay it.

Lemonsqueezer78

If as you say, you are unemployed, then I'm afraid applying for and taking out any form of credit right now would be a very bad idea. I understand that this wasn't the crux of your question, however I still do want to point that out. Else I fear in another 5 years, you'll be asking this exact same question again....

traceydc49

sourcrates wrote: »

Hi,

Wait another year, after which they would need to go back to court in order to enforce the CCJ.
Usually six years is concidered time enough for enforcement, so there application may be denied, and you may not have to pay it.

Sorry to butt in on this thread, I have had a CCJ for 8 years, does this principle apply to mine? Thanks

sourcrates

traceydc49 wrote: »

Sorry to butt in on this thread, I have had a CCJ for 8 years, does this principle apply to mine? Thanks

In a nutshell yes.

CCJ's don't become statute barred, but, 6 years is concidered time enough for enforcement, if a creditor wanted to enforce a CCJ older than 6 years, they would need a very good reason to convince the court why they could not enforce it previously.

traceydc49

I am paying it, albeit token payments, sorry to sound stupid sourcrates, does this basically mean its no longer enforceable? They have come up with CCA, sent request before I found out there would be no point, its for 1500, been paying it 10 yes thanks.

DCFC79

dr_john_cain wrote: »

5 yr old ccj prevents me getting credit.

I cannot afford to pay the full amount - £1000

The company who have the ccj once offered me a reduced amount payment in agreement not to use the ccj against me.

how can I get them to do this again without contacting them and agreeing I owe them debt?

I can afford 50- 100 pound maximum (i'm unemployed)

Get a job so you can pay more.

fermi

traceydc49 wrote: »

I am paying it, albeit token payments, sorry to sound stupid sourcrates, does this basically mean its no longer enforceable? They have come up with CCA, sent request before I found out there would be no point, its for 1500, been paying it 10 yes thanks.

If you have been paying and then stopped, they would not have any real problem with getting a court to agree to enforcing it.

It's in cases where there has been nothing on the CCJ from either side for 6+ years where they may refuse to allow enforcement.

traceydc49

Thanks Fermi, realised I hadn't read the post correctly after I'd posted.

dr_john_cain

Thank. You very much everyone.for your advice.