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Vanquis/Lowell - CCJ on file - Timing Differences Scotland and England


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Re the difference of a year, between English and Scottish law,before debt drops off credit record.

 

 

Who decides which law should operate if you live in Scotland but have a debt to an English company?

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If are resident in Scotland Scottish Law applies.

 

 

Not only does a debt become SB in Scotland it is totally extinguished.

 

 

In England & Wales the debt still exists.

 

The SB date must not be confused with the default date,

 

 

all defaulted debts are removed from CRA files after 6 years paid or not.

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If are resident in Scotland Scottish Law applies. Not only does a debt become SB in Scotland it is totally extinguished. In England & Wales the debt still exists.

The SB date must not be confused with the default date, all defaulted debts are removed from CRA files after 6 years paid or not.

 

 

Thank you for your swift reply.

 

 

I presently have a CCJ reported by Lowell,

 

 

I have a payment plan in operation.

 

 

The CCJ says it will be reported until July 2015,

 

 

but me being resident in Scotland would it be in my rights to insist the CCJ drops off in July this year?

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