None paid CCJ

by **LionsShare** Fri Jun 09, 2017 10:40 am

Hi,

Could someone advise from experience or 1st hand knowledge do CCJ(s) have to be paid? From what I know if a CCJ is on a credit reference somewhere even if paid off it can still be on there as a possible bad mark for 6 or 7 years. If NOT paid off irrespective of what the CCJ is for, does not paying off a CCJ mean anything? Or what can happen?

by **assassin** Fri Jun 09, 2017 12:47 pm

No, a CCJ doesn't have to be paid and in theory it remains on your file for a pre determined time when it is automatically removed, well that's the theory.

In reality they use this information to downgrade your credit rating to make you a bad risk and individual corporations use this information against you for many years after the timed expiry date, even though a CCJ is removed from the official register, they term this personal data and technically they shouldn't have it but do.

If your credit rating is downgraded they have to have a reason and this reason is usually in the form of a code, it is well knoiwn that certain codings should, and do have a certain meaning to keep them legitimate looking, but in reality it is well known that they are interpreted in a different way.

by **LionsShare** Fri Jun 09, 2017 4:32 pm

thanks assassin, much appreciated!

by **daveiron** Fri Jun 09, 2017 6:22 pm

I believe its not entered on your credit file until 3 months after judgement if still unpaid.
If you do not own your home its a piece of cake ,Even if you do ,if its a relatively small amount it easy.

by **andybreck** Mon Jun 12, 2017 5:43 pm

i have had 3 ccjs and have not paid them 2 of them are now off my credit file. it wasnt easy because i own my own house and 2 off them went for my house but both failed

by Phillpots Mon Jun 12, 2017 5:48 pm

2 down 1 to go. Sounds like you know exactly what to do to get rid of them so well done you.

by **andybreck** Mon Jun 12, 2017 5:58 pm

Phillpots wrote:2 down 1 to go. Sounds like you know exactly what to do to get rid of them so well done you.

i do now phillpots but it was a 4 year battle and worth it

by mitch Mon Jun 12, 2017 6:25 pm

andybreck wrote:
Phillpots wrote:2 down 1 to go. Sounds like you know exactly what to do to get rid of them so well done you.
i do now phillpots but it was a 4 year battle and worth it

Phillpots, how did you get rid of them if you don't mind my asking? I've got one for a parking ticket and thought there was no option other than waiting the six years

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