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dietcokerules

Can I recieve a Ccj twice for the same debt?

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Hello

 

I have a Ccj which has been on my file since February 2011. So I think it is finally due to drop off shortly. I have tried really hard to get my financial circumstances under control and think I'm finally getting somewhere!

 

I've been paying £10 a month to this debt but haven't paid for a few months, maybe about three or four.

Not heard a thing from the DCA chasing until today.

 

 

They have sent a letter asking me to start making payments again which I'm happy to do but am worried that by doing this I'll be on their radar and they might try and Ccj me again.

Can they do this?

 

 

I will keep paying until the debt is cleared but what if if I didn't?

 

 

Could they still damage my credit file?

 

Thank you so much for any help.

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No - a Judgment can only be entered once against the debt

 

Is it the same DCA chasing the debt as it was who obtained the CCJ in the first place? If not it may well have been sold on and the new DCA is unaware of the Judgment.

 

If it is the same DCA then they could move to enforce the original Judgment and have a year in which to do this - after that they couldn't do so without an order from the Court


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12mts to go till it drops off

 

just remember that paying debts off does NOT remove defaults nor CCJ's.

nor improve your score or worthiness

 

shame you didn't defend the claim back in 2011


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