📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

CCJs

**Amy**
**Amy** Posts: 2,680 Forumite
in Debt-free wannabe
Do CCJs appear on your credit file?

I have requested my file, and cant see any, but im sure i may have got one a few years ago (im not 100% though, thats how i got myself into this mess! :rolleyes: )

Thanks

x
Debt: just my mortgage :D

Comments

  • Sammy_Girl
    Sammy_Girl Posts: 3,412 Forumite
    Hi Amy :hello:

    Yes CCJs do show on your credit file. Although as with all of the other things, they "drop off" after 6 years.

    Sammy x
  • CCCS_Sarah
    CCCS_Sarah Posts: 1,555 Organisation Representative
    Hi Amy,

    They generally do show, they would stay there for 6 years. Do you remember the name of the company? It could of been a threat of one. Did you receive any blue and white paperwork?
    I am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.

    CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
  • **Amy**
    **Amy** Posts: 2,680 Forumite
    Hiya

    Ahh right i see. See i dont know if it has been 6 years or not (god i was rubbish with money/paperwork :rolleyes: ).

    If i have to fill out an applicatino form and it asks about CCJs, if i say no, will it show up that I have had one?

    xx
    Debt: just my mortgage :D
  • **Amy**
    **Amy** Posts: 2,680 Forumite
    CCCS_Sarah wrote: »
    Hi Amy,

    They generally do show, they would stay there for 6 years. Do you remember the name of the company? It could of been a threat of one. Did you receive any blue and white paperwork?

    Hi Sarah

    im embaressed to say I have no recollection of who it was from etc. im sure i remember getting a threat at least. Maybe they didnt actually follow it through? :confused:
    Debt: just my mortgage :D
  • CCCS_Sarah
    CCCS_Sarah Posts: 1,555 Organisation Representative
    Have you come to an arrangement with your creditors now? If so you have done all you can now you have started getting yourself on track. If you find in the future that one comes out of the woodwork you can address that then. You would be able to ‘vary to judgment’ by completing a form called an N245
    I am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.

    CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
  • **Amy**
    **Amy** Posts: 2,680 Forumite
    CCCS_Sarah wrote: »
    Have you come to an arrangement with your creditors now? If so you have done all you can now you have started getting yourself on track. If you find in the future that one comes out of the woodwork you can address that then. You would be able to ‘vary to judgment’ by completing a form called an N245

    Well nothing is showing on my credit file at all from that long ago (and if it is its showing as settled).

    Maybe i was making it up? I dont know really, i had no clue what was happening with my finances back then! :eek: :rolleyes:
    Debt: just my mortgage :D
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture