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  • FIRST POST
    • huntyboy2k
    • By huntyboy2k 14th Jun 19, 6:04 PM
    • 1Posts
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    huntyboy2k
    CCJ problem
    • #1
    • 14th Jun 19, 6:04 PM
    CCJ problem 14th Jun 19 at 6:04 PM
    Hi all, I am just wondering if it is possible to have a CCJ removed from my file as I had a CCJ placed on me while i was disputing the cost's. The CCJ was a 12,000 debt in the December of 2014 which i paid off in the August 2015.

    I was refusing because it was over solicitors as they first quoted me of 5000 which i agreed, but after paying the solicitors in excess of 25,000 i was refusing to pay. The reason why I didn't pay was my money was tied in the bank until the august and if i would of released the money i would of lost the a lot of interest.

    As the debt was of such a small amount on time (8 months) I was wondering if this could be removed from my file. It is down as satisfied but not removed.

    Thank you in advance.
Page 1
    • MovingForwards
    • By MovingForwards 14th Jun 19, 6:26 PM
    • 2,297 Posts
    • 2,728 Thanks
    MovingForwards
    • #2
    • 14th Jun 19, 6:26 PM
    • #2
    • 14th Jun 19, 6:26 PM
    A CCJ will only be removed if it's paid in full within 28 days of the court granting it.

    You could contact the solicitors and ask them if they would agree to it being removed, but it's doubtful they will agree.

    As you are probably aware it stays on your file for 6 years and has an impact on your financials, car/home insurance and career depending on what job you are in.
    • Gary_Dexter
    • By Gary_Dexter 14th Jun 19, 6:26 PM
    • 6,534 Posts
    • 4,335 Thanks
    Gary_Dexter
    • #3
    • 14th Jun 19, 6:26 PM
    • #3
    • 14th Jun 19, 6:26 PM
    No
    If you’ve paid it, it will be removed 6 years from when it was paid.
    • Willing2Learn
    • By Willing2Learn 14th Jun 19, 6:40 PM
    • 4,380 Posts
    • 3,918 Thanks
    Willing2Learn
    • #4
    • 14th Jun 19, 6:40 PM
    • #4
    • 14th Jun 19, 6:40 PM
    No
    If you’ve paid it, it will be removed 6 years from when it was paid.
    Originally posted by Gary_Dexter
    I don't think that is correct. I believe a CCJ is automatically removed six years from the date of the judgement. (So, if the judgement date was in December 2014, the CCJ will be removed after six years, in December 2020).
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • fatbelly
    • By fatbelly 14th Jun 19, 6:47 PM
    • 14,201 Posts
    • 11,216 Thanks
    fatbelly
    • #5
    • 14th Jun 19, 6:47 PM
    • #5
    • 14th Jun 19, 6:47 PM
    I believe a CCJ is automatically removed six years from the date of the judgement. (So, if the judgement date was in December 2014, the CCJ will be removed after six years, in December 2020).
    Originally posted by Willing2Learn
    That is correct
    • Gary_Dexter
    • By Gary_Dexter 14th Jun 19, 6:51 PM
    • 6,534 Posts
    • 4,335 Thanks
    Gary_Dexter
    • #6
    • 14th Jun 19, 6:51 PM
    • #6
    • 14th Jun 19, 6:51 PM
    Correct. I meant judgement not payment date.
    • nic_c
    • By nic_c 14th Jun 19, 7:38 PM
    • 2,108 Posts
    • 1,105 Thanks
    nic_c
    • #7
    • 14th Jun 19, 7:38 PM
    • #7
    • 14th Jun 19, 7:38 PM
    The CCJ may cost you more in the long run than the lost interest would have done. Unless the solicitor was agreeable for it to be removed then it would just be marked as settled. Can't see why they would esp as they had to get the CCJ because you would not pay when requested.
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