Ccjs and Full and final offers

Lab79

Dear all,
I'm new to the forums so please be gentle with me 😀
Trying to keep this short but just want a bit of advice please....
I have a couple of old ccjs going back about 10 years which I have been paying regularly with minimal amounts per month. They no longer show on my credit files as they are so old. I am looking at trying to get a mortgage and wanted to know if I could offer them a full and final settlement to clear them once and for all?
A couple of them are 'looked after' by Robinson Way and I receive regular updates from them, I have also over the years received offers to settle these accounts but have not been in a position to pay them a lump sum before.
I would just like some help and advice as I have been doing so well getting my credit rating repaired and sitting tight all these years after getting rid of my expensive bully of an ex husband all those years ago and rebuilding my life and wouldn't like this to affect my chances of obtaining a mortgage.
Thanks for reading and your advice in advance ....

fatbelly

Yes you can - just make them in the normal way - in writing, using the standard letter.

https://www.nationaldebtline.org/EW/sampleletters/Pages/Full-and-final-settlement-offers-%28sole-name%29.aspx

The possibility of enforcement action on the ccj has receded. They would have to get specific permission from the court now that the judgement is over 6 years old.

The truth is Robinson Way are probably as keen as you are to put this one to bed.

Lab79

Thanks for the quick response....
Any tips on what to offer them?
I don't want these to affect my credit rating and possible house purchase. If they don't accept can I just continue to pay the minimal amounts without needing to show my income and expenditure?
Thanks

Lab79

Can I also ask, can I send them the letters via email or do I need to send them recorded delivery?
Thanks

fatbelly

Whatever you do is not going to affect your credit files. The entries are gone and they are not coming back.

How much to offer is not an exact science. I'd say a bit less than they have previously suggested. So if they had suggested settlement at 60%, try 40%.

If you're not getting anywhere then just carry on with the small monthly payments and try again in a few months.

I prefer old-fashioned letters but it doesn't really matter as long as the final deal is confirmed on letterheaded paper.

Lab79

Thanks for your advice, I have sent a couple of letters recorded today and now just have to wait for a response.
Any ideas how long I may have to wait for a reply?
Thanks

Lab79

As all my letters are to the same company can I include them altogether or should I expect them to treat them all individually?

fatbelly

Lab79 wrote: »

As all my letters are to the same company can I include them altogether or should I expect them to treat them all individually?

They should be organised enough to deal with this all together