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Is it worth paying a CCJ so it shows as `satisfied' even though it still gives a bad credit history?

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  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    I still remember having phones slammed down on me when I was ringing around chasing after a property to rent, because my CCJ was not fully paid off at the time (I was paying it by instalments).

    To answer your question, yes, get it paid off or head to the parking board and read the sticky notes on what to do to try and get it set aside.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • This has to be a wind up surely?
    edit: OP says here it is £197 but does not know what for.
    And says here she had an unpaid Virgin fee that was registered as a default.
    I'm guessing most landlords would be pleased to know in advance that this prospective tenant is a risk.....

    I'm suprised by the animosity from posters here, quite a few private landlords with chips on their shoulder here?
    Or a bunch of saints who have never had a parking ticket that was unfair?
  • jimbog
    jimbog Posts: 2,256 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 11 October 2020 at 9:01AM
    This has to be a wind up surely?
    edit: OP says here it is £197 but does not know what for.
    And says here she had an unpaid Virgin fee that was registered as a default.
    I'm guessing most landlords would be pleased to know in advance that this prospective tenant is a risk.....

    I'm suprised by the animosity from posters here, quite a few private landlords with chips on their shoulder here?
    Or a bunch of saints who have never had a parking ticket that was unfair?
    I feel you are confusing not liking what people are saying with rudeness. Not sure how you made the jump to private landlords or members having chips on their shoulders.
    Don't let an overdue parking ticket be what prevents you from moving onto the next stage of your life, pay it off and move on 
    Gather ye rosebuds while ye may
  • kinger101
    kinger101 Posts: 6,572 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 11 October 2020 at 9:06AM
    This has to be a wind up surely?
    edit: OP says here it is £197 but does not know what for.
    And says here she had an unpaid Virgin fee that was registered as a default.
    I'm guessing most landlords would be pleased to know in advance that this prospective tenant is a risk.....

    I'm suprised by the animosity from posters here, quite a few private landlords with chips on their shoulder here?
    Or a bunch of saints who have never had a parking ticket that was unfair?
    A potential creditor doesn't know or perhaps even care whether the parking ticket was fair.  They just see someone who doesn't settle their debts.
    "Real knowledge is to know the extent of one's ignorance" - Confucius
  • FtbDreaming
    FtbDreaming Posts: 1,127 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    I settled a CCJ in November and managed to get a mortgage approved a few month after that. Prior to settling it I couldn’t get a packet of crisps on finance. 
    Mortgage started August 2020 £69,700
    Mortgage ends Aug 2050 MFW: Aug 2027 
    Current Balance: £58,678
    MFW2020 #156 £723.13
    MFW2021 #26 £1184.71
    MFW2022 #11 £197.87
    MFW2023 £785
    MFW 2024 £528.15

    Determined to make it! 
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