Thread: EGG and a CCJ!

Originally Posted by lisa2393

Hi guys,

The £338 was made up of charges and has been paid off completely.

So my question is, is there anyway of getting the CCJ removed?

Any advice would be greatly appreciated as I'm fast approaching a nervous Breakdown trying to clean up my credit file!

Thanks again x

Hi Lisa,

Unless your CCJ was unjustified (very unlikely that penalty charges alleged to be unlawful can support a CCJ setaside) there is no way I know of to wipe it off the credit registers. CCJ relates to past history, in which lenders have a legitimate reason to be interested. 6 years after the judgment the CCJ will automatically fall off your credit file.

As you have now fully repaid what you owed there is every reason to be happy.

I understand that upon your request lenders have an obligation to inform CRAs that you have now repaid in full, and this footnote when published next to your CCJ will mitigate your one-time black mark. The best people have been known to come a cropper through having the courage to try, and unavoidably sometimes to fail. After your setback you did recover brilliantly with honour, and the past is now water under the bridge.

As for a nervous breakdown Egg is having one right now, being overlent with outlook dire, and with their parent company Citigroup surviving only thanks to government (taxpayer) bailout. Some of their staff are no doubt headed for the P45.

In the Court of Public Opinion perhaps Egg too have earned a CCJ, so there.

Best wishes,

How do you know which part of the debt the CCJ applied to? I have never heard of a creditor just taking somebody to court for charges and not the main debt.