"Active" CCJ

Bigaux

Hello folks.

I have a quick couple of questions I was wondering if someone could help shed some light onto them for me.

I have a single CCJ on my credit file. It was issued on 15/07/2011, as of the last couple of months it has been showing as "active", I have paid off the outstanding amount to the company that issued the CCJ at some point in 2013 (was too young/stupid not to keep a detailed date of payment), I understand that CCJ's are wiped off files after 6 years, so to this, on 15/07/2017 this ccj will be removed? Even though its showing as "active" on my record?

Thank you in advance for any and all guidance/advice.

fermi

Can get is marked as satisfied, but yes, it comes off after 6 years no matter what 'status'.

http://www.trustonline.org.uk/understand-judgments-fines/ccjs-and-county-courts/county-court-judgment-records-how-long-ccjs-stay-on-record

National_Debtline

The CCJ will come off your file 6 years after the date of judgement whether it is active or settled. It sounds like it would be wise to get the details of this debt corrected though (for one reason - an active or outstanding CCJ will be more damaging to your credit score than a settled one).

Hopefully your bank statements will show when you paid this. You can use any evidence you have to write to the debt collector about this and ask them to update your credit file accordingly. If they refuse you could complain and escalate it to the Financial Ombudsman and/or send proof of payment to the court - ask for a certificate of satisfaction (normally at a £15 cost) and send a copy of this certificate to the credit agencies and ask them to update your file. Good Luck,


Laura
@natdebtline

Bigaux

Excellent. Thank you for the information!