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Mystery CCJ and enforcability

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I was checking my Noddle file and found a CCJ against me at my old address.

It says it is still active but it is over 5 years old.

 

I have no idea what it is for as I was living at the address at the time and already paying another CCJ off

 

. I would have responded to this.

 

My question is should I let sleeping dogs lie until the end of May next year and let it drop off after 6 years or should I query who it is from with the courts?

 

In doing so would I reset the clock with whoever brought it against me?

Edited by dx100uk
Spacing

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Hi and Welcome to CAG

 

Try here for further information re CCJ

 

https://www.trustonline.org.uk/

 

Alternatively speak to MCOL Northampton CCBC and ask for a copy of the judgment and claim details.

 

CCJs remain on your files for 6 years.

 

The clock stopped on issuance of the claim if it was subject to Limitations.

 

 

Andy


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Moved to legals


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Thanks I looked on Trustonline and paid the charge to view it but all the info gives me is what I know already, i.e. the case number.

 

I am pretty sure I have dealt with it as I have found some paperwork which was attached to the original court forms.

They have a sticker on with the case number so It looks like I responded with an offer.

 

I was paying several debts at the time and I know these have all been satisfied.

I am wondering if it is one of these debts.

I contacted the court who said they would get back to me in 10 working days but they haven't. Stumped now.

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must be the holiday period then not helping

 

typically when you ring northants bulk and ask for a copy of the CCJ and the Claimform they email it out there and then


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Thanks, I called the but they said it was the wrong court. It's Salford I need. What is the difference between a CCJ from Northampton and a CCJ from Salford?

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did they ask for the ccj and do you know it?


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Thanks, I called the but they said it was the wrong court. It's Salford I need. What is the difference between a CCJ from Northampton and a CCJ from Salford?

 

No difference just the way its served....Northampton claims are entered on line using MCOL and Salford are issued manually.


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I called them and found out it was a CCJ I paid off 2 years ago. Now I have to do the chasing to get them to contact the court.

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It would still appear on your files paid or unpaid for 6 years from the date of judgment...what do you intend chasing them about?


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It says 'active' not 'satisfied'. I know it won't drop off yet, that will go next may.

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If you paid it off it should state " satisfied "...unless you made a F&FS and left a balance.


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you are stating you settled the debt

did you pay the full amount or a reduced full and final settlement figure?


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a judgment paid outside of 28 days from when it was made requires the debtor to apply to the Court for a certificate of satisfaction, if that has not been done, then unless the creditor has a process in place to notify the court then the Court and thus registry trust would not be aware the judgment has been satisfied.

 

If it was paid inside of 28 days a debtor can apply for a certificate of cancellation (which removes any reference to the judgment), I'm sure I recall paying a nominal fee for mine when I lost a challenge a few years back.


My posts are opinion only, I am not legally qualified and do not offer my comments as advice, nor should my comments be taken as advice. If you seek legal advice, approach a suitably qualified legal representative.

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If its paid within 28 days there should be no need to do anything...as it wont be registered.


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It depends on the circumstances of the judgment Andy and "should" is the operative word there. forthwith judgments given at a hearing and paid in 28 days should not be registered, default judgments and, as my case demonstrates, instalment judgments given on defended claims are registered as are any judgments that are subjected to enforcement action.

 

Registry Trust confirms

"Registry Trust Ltd (RTL) is contracted to the Ministry of Justice to maintain the statutory public Register of Judgments, Orders and Fines for England & Wales, one section of which includes details of county court judgments. Most CCJs will appear on the register but there are some that don’t. To be capable of being registered the judgment must either have been issued in default (i.e a judgment without trial where no defence was entered) or else defended and payment is by instalment order or where enforcement action is being taken."


My posts are opinion only, I am not legally qualified and do not offer my comments as advice, nor should my comments be taken as advice. If you seek legal advice, approach a suitably qualified legal representative.

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I contacted the people who I owed the money to who sent me a letter plus a copy of a letter they have sent to the court confirming I have paid the debt off in full.

 

I am confused because they said if I wanted a certificate of satisfaction I would have to send a copy of the letter to the court, but they have already sent it?.

 

I've looked into how to apply for a certificate of satisfaction but cannot find anywhere which tells you how to acually do it.

There are forms to download and fill in, but there are no instructions on how to pay the court, who to send it to, who to make it payable to etc.

 

I looked at Trust online but it took me round in circles.

I have looked at the Justice.gov pages who just have the pdf form download with no details on.

 

Can anybody guide me in the right direction?

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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