CCJ and Default Removal

[SuzexX]

I have a CCJ and Default from Alliance and Leicester/Bryan Carter and Co. The CCJ is now marked as satisfied.

 

Should the original default be removed on the 6 years of non-payment or on the date the CCJ was granted or should it be now marked as settled on my report to be removed 6 years after the last payment of the CCJ? It looks from my credit file that BC was paying AL about 3 months in arrears.

[BRIGADIER2JCS]

The orignal default date cannot be changed, all default entries are removed after 6 years

paid or not.

The satisfied entry is correct.

My guess is that the payments were transferred quaterly.

[SuzexX]

So a payment to the CCJ does not classify as a payment against the defaulted value? I'm just worried that the 6 years will start again from June 2011 when BC last made a payment to AL. Due to this being a "Bryan Carter" case he has tried the split claim approach by accepting £400 for a debt which was £5,277, I have never responded to any letters since the CCJ amount was paid.

 

Default Date: Jul 2006

CCJ Awarded: 26/11/2007 (£10 p/m)

CCJ Satisfied: 04/03/2011

 

I still have a copy of the CCJ which lists the client as AL and a representative as BC. Because of the difference in the total and the ccj it is not marked as settled in my main screen (noddle)

[BRIGADIER2JCS]

Payment or non payment the default entry is removed after 6 year, you

may be confusing this with the date for a debt becoming statute barred,

which is simply the date on which a payment was due and not made and

no further payment was ever made.

I find the data supplied on Noddle is often somewhat out of date.

[SuzexX]

Thanks for your help