CCJ Settlement within one month

eles_27

Hi,
I have recently received a CCJ for an old credit card debt. I understand that if you pay off the debt in full within one month of the judgement being issued it will never appear on your credit file.
I cannot afford the full amount but was wondering if a partial settlement was reached with the creditor and paid within one month of the CCJ judgement would the CCJ also not appear on my credit file?
I would be grateful for any help as I cannot find the answer anywhere!

pappa_golf

full payment required within 28 days , the time for payment plans has passed

Thrugelmir

eles_27 wrote: »

Hi,
I have recently received a CCJ for an old credit card debt. I understand that if you pay off the debt in full within one month of the judgement being issued it will never appear on your credit file.
I cannot afford the full amount but was wondering if a partial settlement was reached with the creditor and paid within one month of the CCJ judgement would the CCJ also not appear on my credit file?
I would be grateful for any help as I cannot find the answer anywhere!

You should have offered a payment plan before it reached the court stage.

Bonfire_Bride

Once you have received notification of the CCJ being applied for, you will need to settle the debt within 30 days. Part payments or payment agreements may be allowed BUT the CCJ will still show on your file for 6 years. If it is early enough, then try and get it settled some how as they can really scupper your chances for obtaining credit in the future.

A CCJ can also stop you from applying for certain roles within finance sectors.

DoobyDoo19041985

Hi was just wondering if you could help me the best you could and give me some advise. Iam a little lost to what to do..

I will start at the very beginning. I had over £1200 over draft with Halifax in 2010.. Each month I was getting charged ludricous bank charges for going 10p £5 over my arranged overdraft.. So decided with family it would be best to get this all cleared and account back down to 0... Clear all bank charges what was due aswell!!

So 2008 I cleared the £1200 Halifax account bringing my account back down to 0.. Also bringing my overdraft limit down to 0 aswell.. For some reason or another I did not close my account down, didn't think I needed to. Account paid of and no overdraft anymore.. All bank charges what was pending was supposedly taken off
With a couple of days I set up a new bank account with Nat West, with whom I'm currently with to this day!!!

I moved house with my parents within a space of a month with all this happening.. About 2/3 years after moving into new house, I was getting letters from creditors, regarding I owed Halifax somewhere in the region of £600.. We looked at my bank staments with Halifax all charges to the account was a bank charges what hey had not cleared on my account.. So with my bank balance on 0 and overdraft on zero I kept incurring charges for 2/3 years.. Basically i just said I wasn't willing to pay it!!! So I left it!! Which I know I shouldn't

So I got a ccj for these areas 2half years ago, Iam thinking about getting my judgment set aside? What would you guys recommend??

Sorry for long read. Tried my best to explain, appoligise grammer

Arleen

To get a judgement set aside you have to have a valid reason why would you not owe the money, do you have one?

DoobyDoo19041985

That's what Iam asking. Is the reason above valid enough for a judge to set aside? Having cleared my account of outstanding debt/ getting my overdraft set to £0.. Getting all my unothorised overdraft defaults cleared. For one to be left on my account, what they had not taken off.. For me to result in £600 of debt.. I had moved house with a month off settling the account..
So what's your opinion many thanks

[Deleted User]

I can't see a valid reason in there.

takman

DoobyDoo19041985 wrote: »

That's what Iam asking. Is the reason above valid enough for a judge to set aside? Having cleared my account of outstanding debt/ getting my overdraft set to £0.. Getting all my unothorised overdraft defaults cleared. For one to be left on my account, what they had not taken off.. For me to result in £600 of debt.. I had moved house with a month off settling the account..
So what's your opinion many thanks

When you moved house you should have updated your address with the bank considering thay you had an open account with them. Not only to stop a situation like this happening but also someone could have easily stolen your identity by reading the letters sent to your old address.

Arleen

DoobyDoo19041985 wrote: »

That's what Iam asking. Is the reason above valid enough for a judge to set aside? Having cleared my account of outstanding debt/ getting my overdraft set to £0.. Getting all my unothorised overdraft defaults cleared. For one to be left on my account, what they had not taken off.. For me to result in £600 of debt.. I had moved house with a month off settling the account..
So what's your opinion many thanks

That you didn't provde any reason that wouldn't make you liable for paying. Sorry.

fermi

eles_27 wrote: »

Hi,
I have recently received a CCJ for an old credit card debt. I understand that if you pay off the debt in full within one month of the judgement being issued it will never appear on your credit file.
I cannot afford the full amount but was wondering if a partial settlement was reached with the creditor and paid within one month of the CCJ judgement would the CCJ also not appear on my credit file?
I would be grateful for any help as I cannot find the answer anywhere!

http://www.legislation.gov.uk/uksi/2005/3595/made

Cancellation or endorsement of entries relating to judgments of the High Court or a county court

11.—(1) This regulation applies where an entry in the Register is one to which regulation 8(1)(a) applies (judgments entered in the High Court or a county court).

(2) Where it comes to the attention of the appropriate officer that—

(a)the debt to which the entry relates has been satisfied one month or less from the date of the judgment; or

(b)the judgment to which the entry relates has been set aside or reversed,

that officer shall send a request to the Registrar to cancel the entry.

(3) Where it comes to the attention of the appropriate officer that the debt has been satisfied more than one month from the date of the judgment, that officer shall send a request to the Registrar to endorse the entry as to the satisfaction of the debt.

“satisfied”, in relation to a debt, means that the debt has been paid in full, and “satisfaction” is to be construed accordingly;