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Section 21 and CCJ due to fees - help please

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  • sal_III
    sal_III Posts: 1,953 Forumite
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    biggysmaller wrote: »
    So to rephrase my question in light of some of the answers:

    Will a CCJ still appear on my history if there was no default on an Instalment Judgement Order?
    They are one and the same! At the hearing the Judge ordered you to pay £355 this is the CCJ.

    The fact that it was agreed there and then to settle it in instalments is not relevant, it's still a CCJ.

    CCJ is not necessarily linked to a default on payment.

    And again, what does it matter given the fact that your credit file is wrecked by the DRO for the next 6 years anyway?
  • molerat
    molerat Posts: 31,855 Forumite
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    The only way to avoid a CCJ appearing on your file is to pay the judgement in full within 30 days. An agreed payment plan simply means the creditor cannot use enforcement whilst the payment plan is being adhered to.
  • biggysmaller
    biggysmaller Posts: 235 Forumite
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    molerat wrote: »
    The only way to avoid a CCJ appearing on your file is to pay the judgement in full within 30 days. An agreed payment plan simply means the creditor cannot use enforcement whilst the payment plan is being adhered to.

    Thank you. I will try and persue getting the CCJ marked as satisfied.
  • biggysmaller
    biggysmaller Posts: 235 Forumite
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    edited 6 August 2018 at 5:25PM
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    Comms69 wrote: »
    So to answer my question, the answer is 'no'.


    You have to appreciate that sympathy only goes so far. You knew you would not pay it. You knew you were getting a DRO.

    Why are you even on here. You seem hellbent on passing aspersions and making up your own conclusions. You have no idea WHATSOEVER that I intended to get a DRO at the time of the Possession Order. I have reported you for your judgemental remarks and aggressive stance with my posts. You should not be on these boards.
  • steampowered
    steampowered Posts: 6,176 Forumite
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    I think there is a fundamental misunderstanding here as to what the credit reporting agencies are reporting.

    The credit reporting agencies report the existence of CCJs. They do not merely report report defaults on paying a CCJ.

    It is true that there is a grace period whereby a CCJ is removed from the register if it is fully paid within 28 days, but you missed there.

    You have a CCJ, and it is not satisfied. It will appear on your credit report for the next 6 years. It will appear as unsatisfied unless/until it is paid. All entirely fair and reasonable.

    The DRO doesn't affect the reporting of the CCJ.
  • Comms69
    Comms69 Posts: 14,229 Forumite
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    biggysmaller wrote: »
    Why are you even on here. You seem hellbent on passing aspersions and making up your own conclusions. You have no idea WHATSOEVER that I intended to get a DRO at the time of the Possession Order. I have reported you for your judgemental remarks and aggressive stance with my posts. You should not be on these boards.

    Yes I do; you said you told the judge you were getting one...
  • financegeek
    financegeek Posts: 140 Forumite
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    I'm confused

    did you pay the £355.00 in full? either in installments or after the 30 days? if so, they should mark it as satisfied.

    i can't see how if you paid £20.00 then didn't make further payments due to the DRO it would be marked as satisfied because it's not.

    i think you're probably best just forgetting about this and moving on. i'm sure the DRO will have a bigger affect on how lenders view you than the CCJ.
  • norainbows
    norainbows Posts: 80 Forumite
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    I thought the OP said it was a DMP not a DRO? Does that make a difference to the advice given?
    Neurodiverse and struggling with not being 'normal'.
  • Comms69
    Comms69 Posts: 14,229 Forumite
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    norainbows wrote: »
    I thought the OP said it was a DMP not a DRO? Does that make a difference to the advice given?

    I thought that too; but it seems it was a DRO.

    Ultimately no it doesn’t change anything really.

    The same as any other court action prior to the DRO being granted.

    The debt is written off, but the information remains.

    As another poster said a few times it’s kargely irrelevant. A CCJ on a credit report will make no difference when a DRO is there
  • G_M
    G_M Posts: 51,977 Forumite
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    The thread should be moved to the bankruptcy board here.


    The issue is nothing to do with property!


    But basically the OP failed to pay the landlord's valid claim for court costs.
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