Rapid Cash - Removal of CCJ Advice..

[shell7t8]

Hi All,

 

I don't know if anyone can help.

 

In 2009 i had a payday loan from Rapid Cash based in Manchester.

My husband had just been made redundant and we were majorly struggling.

 

In the end they lodged a CCJ against me which is for £325.

I want to make them a one off offer of settlement as i need it to show as satisfied on my file for my mortgage application but i can't get hold of them !!

 

Are they still trading and if so is there a website for them?

If i can't get hold of them to pay,

what do i do about the CCJ as its on there until next year and i really need to show it as paid .

 

Any advice would be grateful.

 

There must be other instances where a company lodges a CCJ then goes bust themselves leaving the defendant with no way of paying it off!

 

Regards

Shelley

[renegadeimp]

When the CCJ is paid in full, you can apply to the court for a certificate of satisfaction. This will show the CCJ as paid, but it will still be on your file for the remainder of 6 years.

[Ell-enn]

Ring the court and explain that the Claimant cannot be traced - I think you should be able to pay the court.

[renegadeimp]

Wouldnt the court have an administrator? Not sure they could pay the court as the money would still have to go to the claimant.

[obiter dictum]

Is Rapid cash still Trading??

 

 

Personal interest in this one as it seems they have a CCJ against me that is almost statute barred, yet nothing on my credit files. I dug out an old attachment or earning application

[BazzaS]

If they have a CCJ : it can't be statute barred.

Statute barred is when sufficient time has passed that they can no longer institute action to obtain a CCJ :

but they have one already.

The court has no discretion if you can show a statute bar.

 

If they haven't taken action to enforce a CCJ,

then it may be that they reach a point at which they would need permission from the court to enforce a CCJ :

but this isn't a "statute bar".

The court retains discretion as to if it allows enforcement of the CCJ.

[obiter dictum]

Nothing on my credit files though as to any CCJ, only this attachment of earnings application from the court dated 2009. They never went through with it though as I suffered no such deductions in wages

[renegadeimp]

If the CCJ isnt on your files, then its likely unable to be collected. Check trustonline.