Confused. CCJ/debt missing from credit report.

ClaireLR

Hi.

Can anyone help me solve this please.

My husband had a CCJ issued in May 2007 for a single large loan. He was ordered to pay £5 per month, DD was set up and never missed a payment, and over the years it has been paid.

Now we have just ordered a credit report online and CCJ is not on there (expected) but neither is the debt (not expected).

He's still paying it at the same rate of £5 per month. Do we need to continue paying the debt?

Thanks for any help.

DCFC79

He owes the money so should carry on, is he prepared for the repercussions if he stops paying ?

[Deleted User]

ClaireLR wrote: »

He's still paying it at the same rate of £5 per month. Do we need to continue paying the debt?

Yes, you do. A CCJ debt never becomes statute barred.

Perhaps look at increasing the rate of payment to get it cleared more quickly.

Nasqueron

It may be 6 years on so the debt has gone from the credit agencies but you have got a CCJ against you and have continued paying the debt showing it's acknowledged, stop paying and you will end up with a lot more debt problems

jimbo26

The CCJ falls off the credit report after six years whether paid or not. The debt still exists so continue paying, it is just no longer showing due to the passage of six years. perfectly normal and nothing to worry about.

ClaireLR

Thanks all.