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    • Ccjadvice
    • By Ccjadvice 7th Dec 19, 10:58 AM
    • 3Posts
    • 0Thanks
    Ccjadvice
    Advice on ccj and credit file
    • #1
    • 7th Dec 19, 10:58 AM
    Advice on ccj and credit file 7th Dec 19 at 10:58 AM
    Hi, I have a ccj from years ago, it is due to drop of my file in march 2020 I think as that will be 6 years from when I got it, however in the new year I will finally be in a position to pay it off.

    My question is will paying it off in january and having it marked as satisfied cause it to remain on my file for a further 6 years from the date it becomes satisfied?

    I will of course pay it off anyway but I'm just wondering if I would be better waiting until after it leaves my credit file in March to clear it rather than do it in January and have it updated and staying another 6 years.

    I'm not too sure how it all works so any advice would be appreciated. Thanks.
Page 1
    • sourcrates
    • By sourcrates 7th Dec 19, 11:30 AM
    • 19,094 Posts
    • 18,029 Thanks
    sourcrates
    • #2
    • 7th Dec 19, 11:30 AM
    • #2
    • 7th Dec 19, 11:30 AM

    My question is will paying it off in january and having it marked as satisfied cause it to remain on my file for a further 6 years from the date it becomes satisfied?

    I will of course pay it off anyway

    I'm not too sure how it all works so any advice would be appreciated. Thanks.
    Originally posted by Ccjadvice

    Hi,

    Although CCJ`s themselves do not become statute barred, once 6 years has passed since judgement, if a creditor wanted to further enforce it, they would need to go back to court to seek its permission.

    Similar to when you are applying for a setaside, they would need good reason as to why the judgement has not been enforced in the previous 6 years, as this is concidered to be time enough.

    Is anyone currently chasing you for this debt ?
    Whatever you do, the judgement will disapear from your file on its 6 year anniversay, nothing will ever bring it back.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File and Ratings, Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to:
    forumteam@moneysavingexpert.com.
    Any views expressed are mine and not the official line of MoneySavingExpert.com.
    For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
    • Ccjadvice
    • By Ccjadvice 7th Dec 19, 11:41 AM
    • 3 Posts
    • 0 Thanks
    Ccjadvice
    • #3
    • 7th Dec 19, 11:41 AM
    • #3
    • 7th Dec 19, 11:41 AM
    Hi I'm currently repaying it at a small amount monthly so now I'm going to be in a position to clear it, I want to do that so I can reduce my monthly outgoings as I'm also repaying other debts to the same company so will be paying those off too, even though they aren't on my credit file. I just don't want to cause it to stay on my file for a further 6 years by satisfying the debt right before it drops off.
    • sourcrates
    • By sourcrates 7th Dec 19, 12:25 PM
    • 19,094 Posts
    • 18,029 Thanks
    sourcrates
    • #4
    • 7th Dec 19, 12:25 PM
    • #4
    • 7th Dec 19, 12:25 PM
    Hi I'm currently repaying it at a small amount monthly so now I'm going to be in a position to clear it, I want to do that so I can reduce my monthly outgoings as I'm also repaying other debts to the same company so will be paying those off too, even though they aren't on my credit file. I just don't want to cause it to stay on my file for a further 6 years by satisfying the debt right before it drops off.
    Originally posted by Ccjadvice

    Arr, you failed to mention you were paying it in your opening post.


    As i said, nothing you do will extend the time it shows on your file, settle it, keep on paying it, ignore it completly, it will still drop off your file regardless on the 6 year mark, or when the CRA` s update after that.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File and Ratings, Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to:
    forumteam@moneysavingexpert.com.
    Any views expressed are mine and not the official line of MoneySavingExpert.com.
    For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
    • Ccjadvice
    • By Ccjadvice 7th Dec 19, 12:38 PM
    • 3 Posts
    • 0 Thanks
    Ccjadvice
    • #5
    • 7th Dec 19, 12:38 PM
    • #5
    • 7th Dec 19, 12:38 PM
    Sorry I did mean to mention I was making payments.

    I will just pay it off once I'm in the position to do so in January since it won't make any difference to it disappearing in March and that will be it out the way, thanks for the advice.
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