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county court judgement


skyman2012
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Hi all, Need help please I had a county court judgement against me on June 2011 I did not received the court form all i received was a letter telling me there was a court and you have to pay this amount, it was a car insurance broker i had annual insurance after few months I had accident and i got courtesy car Ii change the insurance on that but the broker told me you have to have the logbook on your name or have at least 6 months lease on your name, so i had to cancel the insurance my naivety was there when they ask me to put in writing to cancel and i did.

 

 

I am planing to get mortgage but because of this county court judgment against me my chance are zero what would be the best action to take pay the CCJ in full or appeal against it which i had to pay nonrefundable £80 pound the amount is under 600 pound.

I think CCJ stay on credit record for 6 years? i do not know if i pay that will it be removed?

 

I hope it is clear and not confusing, sorry if it is too much to read any help appreciated.

Thank you very much.

 

'i hope it is the right place to post.

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If you had paid the Judgement debt within 28 days, then it would not have been recorded.

 

 

If you pay it now, it will still remain on your record for 6 years.

 

 

It might be too late to challenge it now, you should have done that nearer the time.

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Thanks citizen

B paying it off make no difference on credit rate/history?

If you had paid the Judgement debt within 28 days, then it would not have been recorded.

 

 

If you pay it now, it will still remain on your record for 6 years.

 

 

It might be too late to challenge it now, you should have done that nearer the time.

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If nothing happens in 6 years can the creditor or the county court take action after 6 years?

 

 

They would have to apply to the court to enforce after 6 years and would need a darn good reason as to why they hadn't taken action.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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