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CCJ secured against home question
JasmineTrotter
Posts: 1 Newbie
Hi, I was hoping someone would be able to clarify this for me. I went bankrupt in 2012 but I have a CCJ of £5000 that the company secured against my house in 2011. The court ordered me to pay £23.15 a month which I have been doing until the debt is paid.
My question is, because the CCJ is secured against my house will it still drop off my credit file after 6 years?
Thank you in advance.
My question is, because the CCJ is secured against my house will it still drop off my credit file after 6 years?
Thank you in advance.
0
Comments
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Yes, it will.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 -
Fermi is right, the CCJ will come off your file 6 years from the date of judgement but unfortunately, the charge will not be removed from your home until it has been paid. Because the debt was secured on the property before the bankruptcy it is not included as part of the bankruptcy I am afraid.
Laura
@natdebtlineWe 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
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