CCJ &Restons

[panther1980]

Hi all sorry if this is in the wrong place.

 

Looking for some advice,

I had a CCJ on a debt held by Restons

I was and am paying monthly amounts

 

in Sept 16 the CCJ came to an end

there was still outstanding balance.

 

restons have started to send forms for my income circumstances etc

 

where do I stand

can any further action be imposed by them

i.e. Can I get another CCJ on the same debt as now it has gone off my credit record

 

obviously that has massively improved and my wife and I are finally able to look at mortgages but obviously worried about this.

 

Any advice is great thank you

[dx100uk]

what do you mean the CCJ came to an end how?

 

 

if you mean its dropped off your credit file

that does NOT mean its ended

just that like defaults, they only show for 6yrs

 

 

tell us the full story please

and why did you never defend it?

dx

[panther1980]

The CCJ 6 year period ran its course. I was aware the debt is still there but what can they do i.e. Can they put everything back on my credit file, try and get a second CCJ if I don't increase ,y monthly payments to what they want.

 

The reason it was never defended was because I didn't know I had it till 6 months after it was awarded against me as with my job then i moved to a different part of the country at short notice and it came during the period the redirection was not active

[dx100uk]

should of set it aside then

what was the debt ?

 

you should only be paying what was on the judgement per month

or was it forthwith judgement for the full amount

and you negotiated directly with rectums afterwards

[AndyOrch]

You ignore Restons and continue to make the payments you are making until the balance is paid.

 

 

Regards

 

Andy