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Default or CCJ after Repo

hybroxy
Posts: 2 Newbie

I recently went through a messy divorce and had the matrimonial home which was solely on my name repossessed by the lender. The procced of the sale was enough to cover for all the debt and even have about 85k left.
I Just checked my credit report and discovered 3 defaults on my files.( one for the main mortgage and two for the remortgage I had with the same lender) They are are all marked as satisfied.
My question now is that will there be any CCJ issue again since I already have a default and its has been fully paid and marked as satisfied and closed on my credit report?
I Just checked my credit report and discovered 3 defaults on my files.( one for the main mortgage and two for the remortgage I had with the same lender) They are are all marked as satisfied.
My question now is that will there be any CCJ issue again since I already have a default and its has been fully paid and marked as satisfied and closed on my credit report?
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Comments
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If you have no debt, there is nothing to get a CCJ for.0
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Your post isn`t very clear on this, did you voluntarily hand back the keys to the house, or was it repossessed by the lender after going to court ?
Because if its the latter, you will already have a CCJ that will stay on your file for 6 years.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-letter1 -
sourcrates said:Your post isn`t very clear on this, did you voluntarily hand back the keys to the house, or was it repossessed by the lender after going to court ?
Because if its the latter, you will already have a CCJ that will stay on your file for 6 years.
The lender has already paid me 85k after deduction of all the debts.0 -
hybroxy said:sourcrates said:Your post isn`t very clear on this, did you voluntarily hand back the keys to the house, or was it repossessed by the lender after going to court ?
Because if its the latter, you will already have a CCJ that will stay on your file for 6 years.
The lender has already paid me 85k after deduction of all the debts.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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