Default and CCJ for the same debt

Dannyth39

Evening all,

Hoping someone can confirm if this is correct?

I have a default for £1970 which is registered to a DCA. However, this was then escalated to a CCJ. So I now have on my credit file

1 x Default £1970
1 x CCJ £1970

Is this correct? Also, once my final payment is made to clear the debt I assume the CCJ will be marked paid and likewise with the default?

Dan

Arleen

This is correct and they both will be marked as paid once you pay the CCJ.

Dannyth39

Thank you for confirming this.

Do I need to notify the courts once the CCJ is paid or will the DCA do this?

Arleen

They should but it varies, so keep your eye on it.

Dannyth39

Thanks Again.

It seems rather unfair to have both on my credit report (to me anyway) Surely it should be one or another right?

Looking at my credit report it looks like I owe two lots of £1,970!

chanz4

no its not, as it shows you defaulted and still didn't resolve so court action was required

ALIBOBSY

is the CCJ recent as if you pay within a certain period (used to be 28 days) it is removed from your account, otherwise as other posters have said will show both against the one account and once paid as settled.

Ali x