Good morning, I could do with a little bit of advice if possible please.

A few years back I was young and naive and was ushered into taking out many loans as my partner at the time had poor credit.

I was able to make payments so thought nothing of it.

A while down the line due to her ill health I had to cut my hours which lead to all sorts of financial problems.

Stupidly, I burried my head in the sand with worry.

I had quite a few outstanding debts, some for a few thousand each.

Barclays,

Argos and

Welcome finance were the main ones.

Although they all pursued me it was only Welcome that decided to take me to court.

After checking my credit report with a site called Noddle,

I saw that Argos and Barclays had fallen off my account.

The CCJ with Welcome Finance is now 5 years old.

The court determined at the time i was to pay £5 per month and this is whats been paid since.

My question is,

even though im paying this,

will it still drop off my credit report in a years time please?

Id love to apply to rent a house with my new partner but my CCJ is stopping us from being able to get anywhere.

If it does drop off after the 6 years will it still show up on a credit check by the estate agents please?

Could these other debts that have dropped off my credit file still come back to bite me please?

I had been advised to go bankrupt but I did not want to go down that route.

However the outstanding Welcome Finance CCJ is still almost £5000.

Any help that anyone could give on this would be greatly appreciated.

Thank you

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

{the WHOLE ACCOUNT WILL VANISH, never to return}.

.

{however, this does not mean the debt itself is not still owed

consider a CCA request.}

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

the same goes for a CCJ.

so your file will be clean once everything reaches 6yrs.

have you ever sent welcome and SAR ?

to get all the statement to reclaim PPI/insurance and all their penalty fees?

never known a welcome debt not to be littered with stuff you can reclaim.

I take it it was not welcome but IND that got the CCJ?

dx

Good morning,

can I just say thank you for taking the time out to reply to me,

you have eased a little stress and worry.

Following on from your reply,

could I ask a few more questions please?

1) The debts that have now fallen off my credit file,

they were unpaid and had been for many years.

Do I have to worry about these coming back now please?

2) In regards to the CCJ coming off in 6 years.

If after the 6 years it drops of my Noddle report,

do I still have to declare it when applying anywhere please?

I'm mainly talking about the estate agents tenant check here.

Many companies say to disclose it but they do not say how long after.

I believe the original CCJ was filed by welcome finance themselves,

I received a letter a few months later from a collection agency stating that payments should now be made to them.

I did confirm with Welcome and they said that this was the case.

I'm not sure if the company fell through and someone else started managing everything.

Would you mind explaining what the purpose of applying for the CCA Request is please? Please excuse my lack of understanding.

Also I had thought of trying to claim for PPI with a company called Rainbow as they did not take any fees if the money claimed went towards the existing debt.

I did not want to contact the company in any way because i thought it might restart the whole process.

Because I do not understand what can and cant be done on both sides i have just tried to stay clear of it all.

Its not until now when its causing me a real problem have i thought about trying to find more information out.

Thank you in advance

I did a quick Google and it says that a CCA request has no sway when it comes to CCJ's.

1. no as already explained above

2.no what they cant see cant hurt them...

ignore the CCA part of the post.

whom are you currently paying the CCJ too?

if they are not the named claimant on the CCJ, id be getting a copy of the CCJ from the court

sar welcome finance

PPI is easy do it yourself don't use a fleecing CMC!!

dx

Thank you very much, apologies for going over it again but I wanted to be sure I was on the same page as you were.

I have been thinking for the last few weeks that my whole life's credit has been ruined due to past mistakes.

I am in the process of finding out who the CCJ actually gets paid to.

If it is not Welcome Finance any more and the CCJ states that it is,

what would be the next course of action please?

I have just checked Noddle again to see if there was any information on there.

It says that the judgment date was 18/03/2009.

Does the 6 years go from the judgement date then please?

I apologise for all of the questions and I really do appreciate all your information.

Thank you

get the info first

ask the court for a copy of the CCJ [northants I expect?]

you'll need the CCJ number first mind

then get that sar off to welcome

as stated above

6yrs from judgement date on the CCJ it vanishes

however [for future readers too] just remember

just because a default has reached 6yrs and the account vanishes

and/or

the CCJ reaches 6yrs and vanishes

it does NOT mean the debt is not owed.

that needs to be investigated further in each case.

dx

Again - Thank you very much!!

I have emailed Northampton regarding a copy of my CCJ and they have told me it is held at Wolverhampton.

I have now emailed them for a copy but i am guessing i probably need to apply properly and send some form of payment.

Am I ok to reply back on here after i have found out the information please or shall i create a new thread?

Thank you once again!

no keep to one thread please

sar don't forget that too

dx

Hi guys sorry for reviving this thread so soon.

I have received some worrying news

I hoped someone could give me a little more information regarding this as I am completely in the dark about it.

I emailed Noddle a while back asking if my CCJ would automatically come off my credit file after the 6 years

or whether I would have to ring them to prompt them.

It took them a little while to get back to me but they have just sent this through:

Thanks for your email.

The CCJ should be removed of your file automatically

however the courts could re-supply the information to us if this hasn’t been paid off.

Naturally now I am concerned,

I have gone from thinking that my credit file can begin to be repaired to now thinking it will not be long before it is back on.

Before anyone jumps in and says well I should have paid it,

it is being paid and has been paid religiously from the judgement date and will continue to be paid in the future to what the court had specified.

I just thought that I could now start to rebuild my credit but i now feel like this is hanging above my head.

Has anyone had any experience in the court reissuing the details to the credit companies and is this something they regularly do please?

think they have their wires crossed

it cannot return

Thank you again for your help! I wish I had of known about the forum years ago. It would have stopped a lot of stress!!