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Need advice about making a full and final offer for BW Legal CCJ


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I have a CCJ from BW Legal / Lowell Portfolio that I was issued 2 years ago.

It is for around £2000 from an old credit card debt.

 

I'm not sure if there were any PPI payments made for the card,

but there were probably some 'unfair' charges on there.

 

I'm pretty skint at the moment,

I'm trying to get a business off the ground

can't get any funding due to this CCJ (my credit is fine apart from this).

 

I'm thinking of offering them maybe £200-400 as a full and final offer,

I wondered if anyone would be able to answer a few questions first...

 

How likely is it that they'd accept 10-20% as a full and final payment?

Would this mean that the CCJ was marked as 'satisfied'?

Would this actually improve my credit score?

 

Thanks, for any help.

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Welcome to CAG - Difficult to say

 

Where has this credit card come from - Who was it with?

Why didnt you defend the CCJ when it came through?

 

No judgement at all :) Just trying to get details to look at this and advise accordingly.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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It was a Vanquis card,

I couldn't pay because I was off work sick for a number of years.

 

The debt was nearly 6 years old,

I was hoping it would become statute barred,

then they took me to court.

 

I ignored the court paperwork

there was no way I could pay anything,

 

I also have some mental health issues that make it difficult for me to keep on top of paperwork, especially stressful stuff.

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Nothing you can do then

Paying a ccj off does not remove it from your file

Nor improve your credit rating

 

The fact that its there for 6 yrs will kill credit dead

 

How did you gauge the SB date?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I know that paying a CCJ won't remove it from my file, but it will mark it as 'satisfied'.

What I'm not sure of is if it will be marked as 'partially satisfied' or if that only applies to defaults.

 

Are you sure that getting it marked as satisfied won't improve my credit?

I've heard conflicting things about this.

 

I worked out the SB date from the time I stopped paying them,

it was about 5 years and 7 months later that they took me to court.

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the CCJ will be there for 6yrs

end of

 

whatever marker it gets

wont improve your score

 

so it was not SB'd

 

unless you tell us more about the debt

I cant see there being any thing we can do.

 

a satisfied or settled CCJ might get you say tenancy

but not a mortgage nor more credit

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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