CCJ help please

kirsty2021

y3sitsm3 said:

kirsty2021 said:

Yes, well it's 6 years isn't it, I meant as far as the mortgage lenders go, after 2 years they seem to not worry so much about the CCJ (the adverse lenders I mean).
I don't remember getting any letters or anything from them about a CCJ, bit nevermind, the damage is done now, I just need to try and fix it somehow.

I have emailed them this morning from an account I don't use, and asked if they would remove the fees and then I pay 40%. I'm fully expecting a no, but we will see what they come back with.

With all due respect are you realistically in a position to buy a house right now?

The debts are quite small and by your own admission in another thread, you're not in a position to pay them off in full.  That screams of an affordability issue.

With all due respect, my partner is the main earner in our house, and earns almost 60k, so yes our affordability is fine. 

However, no I do not have approx 2k ATM to pay these off, plus it won't have any impact on our ability to buy a house because they currently aren't being paid, so don't enter into our calculations ATM - if that makes sense.
I have offered a % to Lowell but they have refused, so I guess it sits there for a couple of years until it drops off 💁

EssexHebridean

The difficulty you are finding with lenders is going to at least in part be because essentially you and your partner are considered as one entity for the purposes of owning a property. I presume that you are financially linked also? This means that as far as the lenders see things, your bad history is also to a degree his bad history, and now is not a great time for lenders to be willing to take on what they may see as a bad risk. Unpaid debts DO have an impact on the ability to buy a house as lenders are - naturally - cautious that the next thing to just "not be paid" might be their mortgage! 

Allowing that you have said that your partner earns good money, and so presumably has savings in the bank also, the most sensible way of proceeding right now might be for him to use his savings to clear the outstanding debts, and then for you to pay him back. That way an improvement is made to your credit file faster (although until the CCJ actually drops off that change will not be massively significant). Not normally a good way of doing things but in this situation it may be a decent fix. In the meantime though you also need to be totally confident personally that you have dealt with whatever the situation was that caused the defaults in the first place.