Experience During and After CCJ

tksnota

Hi

This forum has helped me a lot! So, I will continue seeking guidance and assistance to all the members of this forum 

I had read several threads about CCJ and maybe my knowledge is still limited so I will outline them. Feel free to comment, add or correct me if I’m wrong 

1. CCJ will stay on the file for 6 years and drop off later
2. CCJ might have an effect on some jobs.
3. Possible not to continue payment after CCJ drop off

But the real thing I want to know what’s has been like during and after CCJ. Surely I assumed it will not that be so bad especially on finding jobs during CCJ and getting mortgage after the CCJ

I’d been recovering from 2x suicidal attempts due to scam resulted in the lost loads of money that lead me to this financial predicament. But not doing those things again especially after getting the therapies, medications and factual advises from this forum.

//NT

JadedAngel88

I've had a few ccj's over the years. The last one fell off a couple of years ago. 

From experience they completely destroy your credit file. But by about the fourth year after things start to pick up.

I think ccj's effect some jobs, I don't know which jobs though.

I stopped paying my ccj after it had dropped from my credit file. I was only paying them 50p per month anyway, seemed pointless continuing, they had ample opportunity to take me back to court to increase the amount but they did. Haven't heard anything from them since.

( Just a bit of backstory for why I paid 50p. My daughter was diagnosed with a serious illness, I had to stop working for a bit. I missed 2 payments, with the company that gave me the ccj, they issued court documents. Didn't offer to reduce payments straight to ccj. So I filled out the docs, told them everything that was happening and said I can only afford 50p and the judge agreed)

sourcrates

Its just an entry on your credit file, life carries on as normal, nothing changes.

If you work in the financial industry, a judgement may affect your work, it depends on individual company policy.

Obviously you can`t get credit, but a mortgage with a good broker is not impossible.

After 6 years it is automatically removed paid or not.

I really would not keep looking at what could happen, just concentrate on what is happening, CCJ`s are easy to avoid if you reply to the pre-action letter and come to an arrangement with the creditor.

Less than 15% of defaulted consumer debt ever sees a court room.

Try not to overthink these things.

tksnota

Thanks so much…

@JadedAngel88 - just for my reference what are docs did you fill out? 

JadedAngel88

tksnota said:

Thanks so much…

@JadedAngel88 - just for my reference what are docs did you fill out? 

The documents that are sent when they send you the ccj application/court documents. I think it's just a question and answer type thing and your statement of affairs/accounts/budget.

KeithM01279

I found out about a CCJ on my record in March 2024 and immediately applied to have it set aside, as I had never received anything from the claimant or their solicitor. Court date was set for 18th Sept. I was contacted last week by the solicitor who brought the CCJ stating that they were going to ask for the CCJ to be set aside, as their client had received full payment from the insurer, and I would be reimbursed for all my costs.

I understand that the CCJ will be removed from my records, but my question is how long will it take to get my Credit Score / Rating back to it's previous excellent levels ?

Nasqueron

Once the CCJ has been removed, all trace is gone, normal credit checks will apply

Ignore the fake score / rating, no-one but you ever sees it