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BR with a CCJ on the files
maxmycardagain
Posts: 5,853 Forumite
Pre-BR a ccj was issued to my mate
all his debts are now showing "satisfied" but the CCJ isnt
can he get the ccj wiped?
all his debts are now showing "satisfied" but the CCJ isnt
can he get the ccj wiped?
0
Comments
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No........0
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maxmycardagain wrote: »Pre-BR a ccj was issued to my mate
all his debts are now showing "satisfied" but the CCJ isnt
can he get the ccj wiped?No........
Yes he can, he needs to speak to his OR about it.
If you go Bankrupt all the unsecured debts that you owe including any CCJs are included.
Judgments that have been issued against you for unsecured debts are overturned. ... You are no longer allowed to make direct payments to any of your unsecured creditors.
https://bankruptcyexpert.co.uk/articles/can-a-ccj-be-included-in-bankruptcyI’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 -
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The County Courts answer..
"Er yeah, while your bankrupt your safe but they can chase you for payment once your discharged"...
Insolvency Service (oddly) disagreed....0 -
When you say 'wiped' do you mean 'removed from credit file?
The answer is no - it stays for 6 years from when it was granted
If you mean 'made no longer legally liable'?
The answer is yes - bankruptcy covers most ordinary debts that would be subject to a ccj.0 -
As all his other debts are "satisfied" even before his discharge he wondered about the CCJ0
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My CCJ shows as "Active" on my Credit File, surely it should show "Satisfied" as per the other creditors?0
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