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DRO and CCJ
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Iron_smart
Posts: 1 Newbie
in IVA & DRO
Hi all.
I have a DRO and CCJ for the same thing. I had a DRO done and then a bank (which I will not say) had a CCJ made on the same day as my DRO was past. I was left with my 2 very young girls and therefore had to stop work for a couple of years. I had a car on finance and couldn't pay because of this situation. I spoke to the lender and the court and neither want to remove either DRO or CCJ. Where do I stand ?
I have a DRO and CCJ for the same thing. I had a DRO done and then a bank (which I will not say) had a CCJ made on the same day as my DRO was past. I was left with my 2 very young girls and therefore had to stop work for a couple of years. I had a car on finance and couldn't pay because of this situation. I spoke to the lender and the court and neither want to remove either DRO or CCJ. Where do I stand ?
0
Comments
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Hi,
You have a CCJ for one of the debts included in your debt relief order, you are most likley now stuck with the CCJ unfortunatly, however the good news is they cannot enforce the judgement as CCJ`s are extinguished in insolvency.
So it will remain on your file for the same amount of time (6 years) as your DRO, and both should drop off at the same time.
Have you completed your 12 month monotorium period yet ?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
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