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CCJ after 5 years of default
M_Raja
Posts: 2 Newbie
Hi,
I recently checked my CCJ record on Registry trust ltd and it showed county court business centre judgement for 600£ dated Jan 2016.
Its for capital one credit card. The default date was oct 2011 and six year has passed and i have never acknowledged the payment.
So the CCJ Record will stay for 6 years from jan 2016 till jan 2022 ? i am confused and worried.
Defualt date 2011 Oct
CCJ Date Jan 2016
Can anyone help?
I recently checked my CCJ record on Registry trust ltd and it showed county court business centre judgement for 600£ dated Jan 2016.
Its for capital one credit card. The default date was oct 2011 and six year has passed and i have never acknowledged the payment.
So the CCJ Record will stay for 6 years from jan 2016 till jan 2022 ? i am confused and worried.
Defualt date 2011 Oct
CCJ Date Jan 2016
Can anyone help?
0
Comments
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Hi there,
Welcome to the forums.
What exactly are you confused and worried about ?
Did you not receive a claim form in the post for this debt ?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
CCJ issued on Jan 2016 will stay on my record for 6 years? What about default date which was october 2011?
I am confused about default date and CCJ?0 -
The ccj replaces any default so yes it will be 2022 before that comes off your record.
The CCJ was issued before the debt was statute barred£2 Savers Club for 2022 #120 -
CCJ issued on Jan 2016 will stay on my record for 6 years? What about default date which was october 2011?
I am confused about default date and CCJ?
Your creditor has 6 years in which to take legal action, the cause of action date, is likely to of been a few months prior to the default date, but still within the 6 year time frame, that is what has happened here, you still haven’t said if you received the claim forms or not, I’m assuming not.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Have you actually settled the debt? If not, the CCJ will stay on your file for 6 years after it is settled.0
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GothicStirling wrote: »Have you actually settled the debt? If not, the CCJ will stay on your file for 6 years after it is settled.
Not true. CCJs only stay on the register and hence credit reports for 6 years from the granting of the CCJ.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
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